I know how hard you get when I use you like the wallet you are, and I know it can be hard to keep up with how good it feels to spend on me. But Bankruptcy is kind of hot, and its not even a very big deal. From now on I want you to say YES. YES to every tribute, YES to every new credit card offer you get in the mail, YES to a second mortgage. You can discharge all that debt in bankruptcy anyway, and then rebuild your credit and start all over again. Afterall, nothing else matters as log as youre making me happy.