As for inherited debt, they have a solution to that nowadays. This newfangled stuff called life insurance, I believe--it's remarkable stuff, it really is. See, what you do is pay a small amount every month for this stuff, and when you die, it gives the people you leave behind enough money to pay for your funeral costs, the debts you leave behind, and usually more. I myself have SGLI, which gives me a quarter million dollars when I die but costs only twenty bucks a month--and if I was sixty years old and smoked like a chimney, I could get the same thing. And even though that's through the military, there are plenty of other organizations out there that offer this stuff with decent rates. Or, there's always the option of, well, not racking up hundreds of thousands of dollars worth of debt. But oh, we can't do that now, can we?