The most important detail was lacking in the bill. The consumer should be forced to pay a much higher percentage each month of the bill owed. When people only have to pay miniscule amounts each month, they are lured into running up huge debts. For example, if one is forced to pay 25% of the bill each month and can't afford it, the Credit Card company can cancel further use of the card. That way no one would be allowed to get into severe debt.