Congress is not protecting consumers. If congress was protecting consumers, they would require a consumer debt "float" between a high range and a lower range. Clearly 3 trillion dollars of consumer debt is too much for too many americans.
I would suggest that consumer debt should not go above one trillion, that consumer debt should actually "float" between 500 billion and 1 trillion dollars. So far, consumer debt has just risen, and the more consumer debt rises, the more the U.S. economy flails.
Please support the Debt Neutrality Petition at Change dot org.