"Being in the financial hole is as American as borrowing apple pie," quoth Stephen Colbert making macabre fun of the credit card industry, our willingness to spend our way into trouble, the industry's monkey spun rule-randomizing wheel, and the terrifying fine print of their user agreements, which read, in part, "Should the borrower be found in default of payment more than 15 days we shall bear thee way to the Houses of All Lamentation Beyond all Darkness where thy flesh be devoured and thy shriveled mind be left naked to the lidless eye." See!