The Wall Street Journal article by S. MITRA KALITA says

But the financial crisis and recession have reversed what some economists dubbed the "democratization of credit," forcing a tough adjustment on both low-income families and the businesses that serve them.

"We saw an extension of credit to a much deeper socioeconomic level, and they got access to the same credit instruments as middle-class and mainstream Americans," says Ronald Mann, a Columbia University law professor. Now, "it will be harder for families at the bottom of the income ladder to get credit cards," he says.

The financial crisis has forced lenders to be especially cautious with the riskiest borrowers, a category that low-income families often fall into because their debt tends to be higher relative to income and assets. The ratio of credit-card debt to income is 50% higher for the lowest two-fifths of Americans by income than for the top two-fifths, Federal Reserve data show.

Is there a valid loan contract? Was something actually loaned to the borrower?

Who is the funder of the account? Should the funder of the account be repaid?

If there was fraud in the process, should the fraudsters be arrested?

Is the process of "payback" entrapment of the American People? Should the perpetrators be arrested?

Please notice that these are the questions the WSJ should ask.

The answers are simple. The "bank" did not risk any capital. The "borrower" is the funder of the promissory note. There was no loan. The "borrowers" signature was obtained by fraudulent inducement. The promissory note was put on deposit by fraudulent conversion. Circulation of these "dollars" is fraudulent misrepresentation. The "borrowers", and with them, all the nations of the UNITED NATIONS have been entrapped. See fraudulent finance.

The answers to "should the fraudsters be arrested?" is left as an exercise for the People of America and its so-called "law enforcement".  If such law enforcement reads this notice and does nothing, they will become criminals themselves - Misprision of Felony. These facts have already been brought repeatedly to their attention by a courageous investigative reporter Christopher Story of World Reports. 

Worse, the States - the Federal UNITED STATES corporation, all courts, all State government corporations are all involved. There is no honour left in these organizations.  They are being sued for fraud in DALE, RODNEY Vs. UNITED STATES.

Even worse, as far back as January 6, 1969, appeal was refused in a Common Law Court of Record in what is known as the Minnesota Credit River Decision [see caches: frn fraud ]. The court found:

These Federal Reserve Notes are not lawful money within the contemplation of the Constitution of the United States and are null and void.

The failure of "law enforcement" to enforce the law from then [January 6, 1969] until now [October 11, 2009], has brought about the current crisis. 911 will be a tea party compared to what is to come*, if the Law of the Land - Common Law - is not restored in America today.

The People of America have every right to invoke parens patriae to dissolve these monsters of fraud.

* We believe, a back room food fight is underway. We pray that this food fight will not turn into WWIII or the Second American Civil War.