AutomationTool

No, the argument against seat belt laws is similar to the argument against helmet laws, "If I want to fling myself through the windshield, I should be able to."

You don't have to pay large amounts of money for education and you don't have to pay large amounts of money to get a decent job.

You need to get out of your echo chamber.

This one is easy. People are buying things that they can't afford. Throwing it into a loan and then partying their way through school. Since that worked out so well, then they do that with their car, house, furniture, cell phones, and car rims.

You aren't entitled to 100,000 dollar education.

You aren't entitled to go down to Mexico every spring break.

you aren't entitled to eat pizza and hit the bar every weekend.

You aren't entitled to a college education.

Go learn a trade, get scholarships, join the military, work for a company that will pay for your education, start your own business.

Instate tuition at VA Tech is 13k for the year, if you live in Texas, UT is 4-5k a semester. While not cheap, this is far from unaffordable.

I have zero sympathy for junior who goes to some 150,000 a year liberal arts college and gets a degree that makes no money or requires another 2-4 years of school.

This is a space where I think the id theft protection industry misses. A large chunk of the space revolves around the 3 bureaus, but there's a lot more to it than that.

A credit freeze is only effective if the entity using your information actually checks your credit/talks to the bureaus.

Tax fraud, healthcare fraud, shady car dealerships that don't care about your credit, buying a house where the seller 'holds the papers', etc, are all attack vectors that can be used with this sort of information.