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As the national debt self-indulgence hangover throbs on, any remaining voices crying, "No Money Down!", "Buy Now Pay Later" or "First Six Months Free!" are increasingly greeted with scorn and resentment. Those whom consumers might have seen before as allies towards common gain are now viewed as charlatans and crooks. Special venom is reserved for those whose resort to false promises when pretending to address the snares of consumer credit, as the following video shows: