If we followed the same "scientist" in the 70's, we were all in danger of freezing to death and needed to do something or life would all end by the year 2000. Now, 30 years or so later, we are all going to die in 30 years or so unless we address global warming. Same liars, different lies.
Did you ever think the problem might be the idiots and their predictive models, not the earth?
Short example: lets say that you find a buck on the floor while you are flippin burgers today... so you project your budget based on finding that same buck every day for the next 1000 years, then you proceed to spend that money... when you don't continually find that extra buck, what do you do?
All these projections for 5 or 10 or 30 years in the future are mathmatical smoke and mirrors. In the computer biz, we have an old saying "Garbage in, garbage out".
As for changing the credit cards... this is so much bullshit. Does anyone think that the fees charged today won't simply morph into new fees and charges. So, you can't push the interest to 30 pct... but can you add a new fee? Maybe a phone call fee... like 10 bucks every time they call your dead-beat ass to try and collect their money?
Giving you 45 days notice instead of 30... sure, gonna change everything... prevent late payments, make the world rosy, etc. HA HA HA HA HA HA