For those who claim its one-sided

That is a good point, there is the aspect of personal responsibility, however, I wanted to make a quick comment on something.
Somebody said in a previous post this doc is incredibly one sided and that the the filmmaker has the responsibility to show all sides of the issue. I do not agree, even though it might seem to be true at a glance. This is a film about unethical practices in the credit industry nothing else, it is obvious that there are issues that deal with the person and its responsibilities, and the filmmaker doesn't hide that, he just doesn't investigate further. In that case if we analyze the factor of personal responsibility we also can't ignore much deeper issues such societal expectations, and how we live in an irresponsibly capitalist nation where consumerism is considered not only a right but a responsibility. If you don't have the house and the car then shame on you.
There are way too many layers to explore in this subject, this film chooses to explore corruption and unethical behavior from major corporations ( yes very popular in the post Michael Moore era) but it is what it is, and its pretty damn good.