A young adult leaves home to set out and make a life on their own, but after a series of unfortunate events, mixed in with some bad decisions, they end up drowning in credit card debt and hit rock bottom…before humbly returning home seeking help from his/her parents. Suppose the parents are more than willing to welcome their child in and help them get back on their feet; even offering to pay off all their accrued debt. Such a scenario might surpass the expectations of many of us, even if living in perfect world. So let’s assume that son/daughter is overcome with gratitude, knowing they were undeserving of such mercy and grace to have their debt cancelled like that, and they are now determined to ‘get their act together and turn a new page on their life story. Now imagine…that despite living back at home for a while, they begin to slip back into some of those reckless spending habits, racking up more monthly debt while being unable to pay their bills. And once again, they go to t...