…Americans need to accept their share of financial responsibility. A key proponent of debt prevention is rigorous consumer education, both at home and at school. This is something [James] Scurlock just doesn\u2019t discuss: how parents need to teach their children about debt, credit, and money management from an early age; and how schools need to educate kids about these issues before they get into college and start getting flooded with credit card offers that seem to good to be true\u201d\u201dand are. The book raises far more questions than it answers, such as why the states with the highest personal bankruptcy rates tend to have high religious adherence (including Utah, Missouri and Tennessee). My own guess on this would be that these religious people are more likely to be living on a single income and also more likely to give some of their money to charity, but beyond that I don\u2019t know. Scurlock\u2019s book would have been better if he had followed through with some of these questions, rather than skimming the surface of America\u2019s debt culture.<\/p>\n