Maxed Out

I watched Maxed Out last night, the documentary about the credit card industry of America. Very interesting, and i wish people that actually ran up thousands of dollars in credit card debt would be the ones to watch it. But overall i was dissapointed in the view they took in this movie.
They placed so much blame on the credit card companies for charging outrageous fees and interest rates. They make you feel bad for these families that lose their houses and their cars and end up wanting to commit suicide because the companies want their money.
Am i the only one who finds a problem in that? The real wrong is people who are spending all this money. They think they're victims because their belongings are being repossessed? They spent the money! You can't just except to buy all these things in credit and never have to pay it back. You're borrowing money-that doesn't come free.
I wholeheartedly agree with the collection agencies that they made out to be assholes (or maybe it's because i thought it seemed like a great job!). They said: if you spend the money-you have to give it back. They track down people everyday to get the money back. I've been around friends who ignore these calls every single day-they don't have the money. But they're going to have to get it!
The real problem is that people live incredibly outside their means. Why do you have to buy a house? Because that's what families do? What's the big deal? If you can't afford a mortgage payment, what is the joy in even having the house? The people in the movie were upset that they had to sell their collectables-why do they need them? What about these material things make their lives complete?
The only people to blame in debt are the people who are making debt. They believe all ads that say they need the right clothes, the best cars, this service and that service to be happy. Why?
There was a point where i was living paycheck to paycheck. I'm not saying it wasn't stressful of how i would pay my bills-but i certainly didn't go buy things or take myself out to dinner and just charge my card so i could pay when i would somehow miraculously have money. Now that i'm making better money, I'm definitely living different-but i'm still living within my means.
I will charge something in my card when i know i can pay it off. That's a simple fact that if everyone followed-there would be no debt.