Moral of the story is to make sure you blame everyone else when you owe money.  Real good. I feel like this article is providing ways for grown adults to constantly make excuses when they used credit or owe money and never paid it back.  If you use it and don't pay it back you still owe it.  What is wrong with society!

Wow this is actually illegal! I attended a seminar where the FBI is investigating fraud and arresting the individuals involved: the person selling their "credit" and the person piggybacking.  Good to know investigative journalism is dead.  Horrible advice in this article.