I am new to this site and it’s been five months now since the article but I’ll give my comments for all it’s worth. The writer’s effort is commendable and it addresses something that affects the UK as well. A number of key questions has been raised:

1 who is doing anything to the companies and financial institutions that encourage individuals
without the appropriate level of income and experience to take up debts?

2. What is the media and the marketing profession (they support these businesses by helping them create the marketing programmes through which they encourage young people to take unnecessary debts) doing about it?

3. Who will bell the cat in taking decisive action to promote more awareness on social marketing as it relates to predatory marketing practices?

I think it’s only fair to re-open this discussion and see what ideas people come up with. Who knows we may yet cause some change to happen.