I blame it on women and their incessant desire to buy material things.
Just throwin it out there. Dr. Phil had people on yesterday who had over 30,000 in credit card debt. Believe it or not there are 1000's of people like this both in the US and in Canada.
Oh by the way I was at the Dr and it was on the TV. I'm not a Dr. Phil guy. I get home after 5.