The issue of overwhelming consumer debt isn't a partisan issue as much as an issue of whether consumers have too much trust for corporations. It is without question true that Americans are too accepting of consumer debt and the associated interest charges. We are told that everybody has a flat screen television, a new car and a three bedroom house in the suburbs. In fact, there are a lot of people who can't afford more than basic housing and food; and they don't like that. Hence, they borrow to live beyond their means.
This movie does an excellent job in pointing out that corporations make money when consumer make poor financial decisions. It loses some of it's impact when it takes a detour on the discussion of the national debt, with not much explanation as to the difference between the national debt and personal debt. It also doesn't completely explain the changes in the bankruptcy laws; instead it uses the talking points of those opposed to the change. It is too important an issue to be left as a big corporation vs poor people battle.