I see both sides of this argument and am really not sure which side I land on. But I wonder if this fits into things like driving, where hey - done recklessly this is dangerous to yourself and others around you, so we require some level of targeted education (e.g. a license). Then if you choose to be reckless anyway its a bit easier to say "it was your own fault".

I bet you credit providers would even front the cost of such a course, since at the end of the day they're still likely to make that money back no matter what.

I think the part that I struggle with is the hard reality that we are largely _not_ teaching people these practical skills in our education system and then expecting them to not get screwed.

In my mind, the externalities of reckless driving are much greater than getting credit on bad terms.