It seems as if bankruptcy filings have increased in the last two decades or so. Many times I wonder why this is the case. Have we as a society changed so much? Although I recollect when credit cards were not that easy to obtain, when I was a college student, almost every major credit card company tried to entice me with "free" gifts if I'd sign on their dotted line. What was most surprising was even though I was barely 18 years old, unemployed and a full-time college stud