Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders, 2006

I really wanted to like this movie but a couple of things made that mostly impossible. A small issue was that it jumped around too much and didn't make solid points that it should have, in connecting any of the issues. Also, the movie would have made more sense, and been less irritating, if it didn't appear to be trying to make the stories of the lower income families (or people with disabilities) on the same level as middle class people living WELL beyond their means (as someone else said, in "McMansions"). I do truly believe reform must come to Credit companies and I know this movie *tried* to show this... Credit companiesy should certainly not be able to lend to anyone without proper income but we know it happens otherwise. But, this movie needed to at least touch on the psychology of what makes people go soooo far into debt. It is not usually solely *because of* the credit card companies. Where is the restraint to say NO to those offers that come in the mail? I THROW them in the trash (after shredding them). Where is the responsibility? This will irk you as you watch it. I do believe reform must come to credit and banking companies and I know how badly they are tied into our government as lobbyists, etc. But overall, the movie failed at connecting that to the problems Americans face with in their spending habits and living beyond their means.

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