Credit is too easy to get. As someone I know once said to me about credit cards - they “take the waiting out of wanting”. We need to look at how personal debt is managed in this country. In the old days, communities (especially working class ones based around factories) would have clubs which you chipped into, and if you were hard up, you could borrow against them. It was a kind of financial social support that we can’t seem to be able to do any more.