James D. Scurlock's film tracks how the American credit industry turned debt into a growth business, following collectors, lenders, and the families they chase down. Interviews range from a college student drowning in credit card offers mailed to her dorm room to parents whose children's deaths are tied back to predatory lending and debt collection tactics. Former industry insiders explain how banks profit more from customers who pay only the minimum than from those who pay off balances, and how subprime mortgage lending was built on the same logic years before the housing crash made it front-page news. Economists including Elizabeth Warren appear to lay out the mechanics of bankruptcy law changes pushed through Congress with the credit industry's backing. The film moves from suburban living rooms to congressional hearing rooms, building an argument that easy credit is not an accident of the market but a deliberately engineered system. It plays like an angry, well-documented case file rather than a balanced survey, and the numbers it cites are the reason to sit through it.