People waste time worrying about this stuff to leave some dry powder for when it's really needed rather than jumping at every free t-shirt offer that the banks throw out there.

Hopefully at least a few people have learned from the mortgage fallout that this stuff shouldn't always be taken lightly, especially because the rest of us are paying for their mistakes. The great credit card bailout is right around the corner and perhaps some discerning borrowers can lighten the load...