about the bankruptcy reforms after they either lose their jobs or get hurt somehow and try to go bankrupt.  they'll understand then what they refuse to take the time to understand now.  there are a lot of people out there that don't bother to pay attention.  just believe what is spoon fed to them.  but by the time they realize what has happened, it will be too late for htem.  my siblings were praising the bankruptcy reforms.  because so many out there just declare bankruptcy every seven years after recklessly running up debts.   one of the morning shows stated that the number of those bankruptcies is less than 5% of all bankruptcies.  lets not forget all the exemptions to protect the well to do.  better hope you never get sick siblings of mine!  or lose your job.  how many americans are living paycheck to paycheck?  i know my bf got hurt at work and we almost lost everythng!