Really old true story I heard: Career option welfare mom is trying to discharge debt from revved up credit card line she knew or should have known she could never discharge or even keep up with monthly payments upon. The creditor requested the court not provide her bankruptcy protection for this reason. Her lawyer countered that if these experts with MBA degrees thought her credit worthy, how would she, a high school drop out career option welfare mom, have known any better? The Judge turned to that lawyer saying, "Careful council, negligent lending practices are not illegal," then he turned to the creditor's lawyer and finished stating, "yet." Old story. Dunno if things are "better" or changed now. Lawyer whose LAN I used to maintain was against curbs on bankruptcy protection finding the more you protect the creditors, the more reckless they will get with their lending practices, with society at large having to clean up the wreckage.