People like this piss the shit out of me. My brother had $60k in CC debt, almost twice his annual GROSS income. Most of it from gambling and buying really expensive photography equipment (that he never uses). PLUS he has student loan debt and a useless degree. He filed bankruptcy on it all except the student loans (you can't file on student loans). He never felt bad about filing bankruptcy, guess his political persuation...
He is now in debt again, is 51 friggen years old and lives with my dad (has for well over 15 years), has been unemployed for a year, hasn't looked for a job and had the nerve to tell me last christmas that "people like me" owed "people like him".