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We can always sub-categorize:

American adults? or Adults who take credit when offered to them without thinking about consequences

I think his point was whether this category of people should be labeled as adults because they don't perceive or that they ignore the risk of not being able to repay, which leads to hardship for not just them but other innocent people.

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Let's not run too far.

There is the empirical fact (unless you disagree with it) that if people are offered more credit then is good for them, they take it. Responding to that by saying: 'An adult can be trusted not to do this', is just silly. We are taking about a big chunk (possibly a majority) of adults here.

"There is the empirical fact (unless you disagree with it)" - what an incredibly interesting thing to say!

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