Credit for Everyone!
I can't help but agree with Tito Mboweni in his statements yesterday that the current status quo of banks, retailers, cellphone companies, airlines and just about everyone else throwing credit at the masses is "madness". We have a country with large segments that are not experienced in the use of credit, and many of these people are getting caught in crippling debt-traps that are incredibly difficult for them to emerge from.

I've witnessed it first-hand, and when you're dealing with someone's livelihood, it's just not a game. I'd like to see much stronger responsibility from lenders as to whom they're lending to, commencing at the very least, with educational steps.