America’s credit-card debt has surpassed the $1 trillion mark. A 20-something fellow I know helped me understand why.“It all began in college when a credit-card company offered me a free credit card,” he said.“OK.”“Well, shortly after I got the card, my transmission blew up, and I didn’t have the money to pay for it. So I charged it.”“That’s an unpleasant thought.”“Yeah,” said the fellow.