To quote the late Frank Zappa: "Some scientists argue that the basic building block of the universe is hydrogen, because it's so abundant. I disagree. I feel the basic building block of the universe is stupidity, because it's even more abundant than hydrogen". There's a tv commercial selling a book on How To Get Out Of Debt. But the only way to buy the book is to charge it to your credit card. Get out of debt by putting yourself further in debt. This idea is dumber than a second coat of paint.