answered: Commenting on the 2005 bankruptcy reform law, Todd Zywicki,

  

Commenting on the 2005 bankruptcy reform law, Todd Zywicki, a George Mason University law professor, said, “This is a matter of morality and personal responsibility.” Consumer advocates, on the other hand, say the bankruptcy problem lies with the “enablers” – the credit card companies and mortgage lenders that encourage deeper and deeper indebtedness.
Required:
Who bears the moral blame for America’s bankruptcy struggles? Explain and discuss.

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