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I usually don't play the "who is more to blame" game, but this story could have just as easily been written with the primary culprit being credit card companies issuing credit to college students in excess of what they can afford.

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How about this. Write it about a kid who has been successful in most endeavors and built up such hubris that he thought he borrow 5 grand to gamble. Then when he failed, he thought it was a better alternative to rob a bank than ask his Baptist preacher dad for help.

He is not a victim of cc companies, online poker sites or anyone else. He is the felon (allegedly).