Response to Tannery's "Grey Matter"

Original argument can be found here.
While I do agree that the average US citizen today fits the stereotype of being somewhat politically ignorant, I disagree with the argument made in the article "Upgrade your grey matter". The credit card industry is an elusive one, and consists of companies who thrive on the fact that careful wording and extremely fine print can fool almost any consumer, especially those who aren't on the offensive. I don't think the strategy here is to simply make American citizens smarter, and I can't imagine there being a practical solution to apply to the entire country that would solve the problems that credit card companies instigate. Are we supposed to take classes in high school that discuss the methods of credit card companies rather than keyboarding classes? I think rather than "dumbing down" the industry in a fashion that can be understood by the public, legislation can be passed, as is occurring under Obama right now, that spells out just exactly what these companies can and cannot do. By forcing these companies to abide by laws that protect American citizens from outrageous practices that only drive the public deeper and deeper into debt, our economy might feel some positive effects. I don't think what Obama is doing can be considered "dumbed down" at all, but rather should be seen as a proactive step taken in the direction that promotes growth and prosperity from the ground up.