Debt crunch

"Credit Cruncher" is a Q&A of the movie maker of "Maxed Out." Good read but I disagree that more regulation is needed: in fact, there should be a lot less in my opinion. Case in point: credit dispute process is not regulated and works just fine in my opinion: in fact, too well according to merchants! [With credit cards, it's the card holders paying interest that makes money for the banks so guess who holds the "card?" Not the merchants, for sure.]