Why We're All Poor
Republicans and their allies in Congress (like Joe Biden (D-MBNA)) pass "bankruptcy reform" because it ties into the pile-of-crap rhetoric about personal responsibility when people are being more responsible with money than they were 30 or 50 years ago. So it's not just a completely corrupt sop to the debt industry -- it's actually a big fat middle finger to you and your attempts to live decently within the system.
Read the whole article -- it's worth it.