This film, and others like it, represent a growing animosity being directed at the massive credit card industry for luring the American public into a vicious debtor's prison. But what is not addressed is the fact that the American people have larceny in the heart, and that industries can only thrive if they cater to the baser values of our lower nature.

Even the most abusive credit situations are easily resolved by self-government. The majority of people (or consumers) that end up in bankruptcy got there because of a failure to exercise restraint. That's why people trapped in sizable debt are advised to "cut up" their credit cards--they can't control themselves.

It is not, therefore, the fault of any industry that you do not understand the way the game is played. Sure, the credit offers are deceiving, but so what. Do you expect something noble and true from the unredeemed? Shame on us for conforming to this world.

Now, I am no friend of the credit card companies. Just like I am no friend of the local drug dealer. It is ultimately my choice as to whether I will indulge in either supplier, and my choices are informed by my faith. Therefore, if we perish, we perish for a lack of knowledge. Our antinomianism creates a vacuum for sin, and the way of the transgressor is hard.

For the Christian community, we have come upon a crucial period in history. We can either continue with the American system, or forsake it in order to create an alternate society centered around the Lordship of Christ and the comprehensive application of His law-word. This is what we refer to as the Kingdom of God--it is a people modeling on earth the way things are done in heaven. And in heaven, you owe nothing but love for one another.