Well I suppose in your shoes you would not be able to put yourself in others. Did everyone you read about describe how they got into the position they are in, fully? Did they describe all the efforts they took to fix it themselves? I see your point to an extent, but everyone is different, they have different issues, and not all are able to be changed with a snap of a finger or by someone rubbing there nose in it. Otherwise, no one would have problems! Does it count for anything when it finally does hits home and they do get a reality check, to change, or start new, or get out of hole? Because they got there in the first place they don't deserve help? I wish you could for a day be in the shoes of those you are dogging. What if someone asking for help with cc bills was raped and was too scared to go outside and had to live on cc? What if they had to take care of a relative, what ifs could go on forever, but you only see that it must only be greed or stupidity. Or that they ought to be able to change. Sometimes changing yourself is the hardest thing to do. Everyone deserves a second chance, regardless of what situation they are in or how they got there. If you care to understand the true issues of people, you could put a little time into reading some psychology, before you make assumptions or judgement on things you don't understand. It's because of people like you that others may be ashamed or too scared to ask for help because of bad decisions in life, and end up homeless or starving or worse. Hell, they deserve it, they made those choices, right?