Let me start off by saying I am a veteran who served in the United States Marine Corps, and probably would have stayed in active duty if my pay and compensation would have allowed me to support my family who are in the picture.
Our country has become a " ME" society rather than an " US" society. The Free market, filled with so much opportunity, has been weighed down with greed and lust for the dollar. In turn, one of the true economic factors that seems to be missed is how a credit supplying agency can justify charging ungodly rates in a time when gas is almost unaffordable due to having a family to provide for and you are the only choice for this income. Child care costs are too high and "cost ineffective" so the only course of action is to have your wife be a stay at home mom. Credit Limits are being cut even when you pay your bills always on time? This isn't because people are afraid to lend.... this isn't because the credit markets are frozen....This is because we as the american people allow this catastrophy that keeps replicating itself. If you get behind on bills on an income that hasn't changed when inflation has increased, you can never get out of the hole due to ungodly interest rates. Your only option is to claim bankruptcy. This is a trend that we will continue to see happen until we force credit agencies, and hold CEO's of these companies accountable for their actions. Maybe this does take our Government to step in, beit a reform committee. Late fees and penalties should be applied to situations when you get behind, but an increase in interest rates only multiply the damage during an economic crisis. Political candidates have not and probably will not address this issue.
I do agree with Ted Nugent though, who appeared on Glen Close's show, truthful self-proclaimed analyst. We need someone who is about truth and isn't afraid to admit their mistakes. We need to elect John McCain and stay on him, stay on our local governments, stay on our state goverments. Become local activists in the community, not to disrupt Federal State and Local agencies from doing their job, but peeking our heads in the door, so to speak, so that they know we are a step away, watching that they are there for the people. We need to come together as communities to fight for our rights in a democratic nation to ensure that, number one, we remain a democratic nation, and two, our goverment is working for "US" not the "ME's"

Semper Fidelis
"Always Faithful"