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Credit reform of some kind? Capping interest rates, scrubbing harder before extending credit etc. Doing away with "introductory offers" that involve the interest rate. That was the big boom for CC's.. (and subsequent explosion of personal bankruptcy) It was not long before everyone jumped on the 0% bandwagon (but 19.8% after 3 months) type of shit marketing.
Right now the cap is at like 30% or something obscene, which granted is better than NO cap at all. But it really should be prime + 10% or some more manageable number like that. Whats the use of piling on 30% interest if the person cant ultimately pay it anyway? These days everyone including landlords and employers rely on your FICO score, so I doubt anyone could argue that it's not a broad enough area to make a real dent.
Do away with the insanely small "minimum monthly payments" in favor of a new minimum based on percentage of principal and interest. And how about actually teaching basic money management in our public schools?
I think basically the things we do AFTER we see problems are what we could have done to prevent the problem.
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43-922-863 Shut up and play your guitar. 
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