Medical Debt

A lot of what I saw was medical debt. People would rack up credit cards and especially like, you know, there was a time when it was way easier to get a bunch of credit cards with fewer kind of consumer protections on them. What I saw is most people were declaring bankruptcy, not because of bad spending habits or extravagant living or whatever. Like they'd get sick and they're either didn't have insurance or their insurance wouldn't cover what happened and they have like hundreds of thousand dollars of that.