Indeed, perhaps your morals are different. I generally believe the whole CC industry is on extremely shaky moral grounds. More like sinking sand really. It only works because it can wreck poor and down-on-their-luck people.

This[1] is the type of situation where I believe the victims(yes, I'm using that word) deserve to have their debt removed.

1. http://www.npr.org/2014/09/15/347957729/when-consumer-debts-...