Within this article, the author, Peter Andrew, poses an excellent question – should credit cards be considered a failed experiment? As a attorney whose practice is focused on credit card debt and workout, I have asked this question along with many others regarding the validity of the credit card system. I see client after client that tried to use credit cards to keep it all together during a job loss, medical crisis, family crisis, etc. and although it provided temporary relief, they now have to figure out a way to pay the piper. I can’t help but ask myself – if this person didn’t have a credit card, would they have figured out a better way to get through the hard times? I guess it really depends on the circumstances of the individual but one thing is clear, we as a society need to be more cognizant of the costs associated with our credit card debt or we will never get ahead financially.