Group 1 - Financial institutions prioritize profit over the financial well-being of consumers, leading to the issuance of numerous credit cards regardless of an individual's ability to repay [1][2] - The current cultural landscape in America is characterized by aggressive marketing, particularly of debt products, which are presented as solutions for even trivial purchases [3] - The prevalence of credit card approvals extends to absurd cases, highlighting the lack of discernment in the credit issuance process [3] Group 2 - Visa and Mastercard dominate the credit card market, holding 80% of the market share, and their actions reflect a disregard for small businesses and average consumers [4] - The primary objective of credit card companies is to generate revenue from consumers, emphasizing that obtaining a credit card does not equate to financial success [5]