Credit cards should just be banned end of story, there's absolutely no reason for there existance other than to pray on the stupid.
If you need a loan, you should have to file the paper work for it. No buying random shit for the hell of it, government sanctioned loans for foods etc, moving costs aswell.
If you go into bankruptcy to buy starbucks you should be jailed for fraudulently claims.
Also tax the group obama talks about top 1 percent. You guys are fucking crazy ignorant to say these guys shouldn't pay some amount of tax. They pay almost none in contrast to any other industrialized nation.(it's the reason the governments so in debt.).
Seriously I'm conservative as can be, but sometimes, you need to get with the program. Cut military spending atleast at a rate of 3/4 percent for year.
Replace the military industrial complex with heathcare programs(no universal shit, but keep industry afloat).