I agree, banks need to accept some blame; they're businesses designed to make money and they prey on people mercilessly. But I also believe people have the ability to show more restraint, make better decisions and choices. It's a broad issue.

I'm like you and don't have credit issues, mainly through discipline and an understanding of the ultimate cost of credit debt. I'm fortunate.

I feel sorry for your brother though, that was bad luck and possibly lack of attention also. It's a shame, I don't like hearing bankruptcy stories like this. It happens though, often; one can only hope lessons are learned.