Lara, the banks and credit card companies have all the default accounts that they foresee happening factored into their "bottom line". They know there will be some bills that will not be paid but I agree that they tempt the people who can least afford it.

After my DH passed away I got several "pre-approved" credit card offers and a couple of them had checks that were made out to ME with a letter stating all I needed to do was deposit the check and the money was mine. This should be illegal.