Many people are sure that it is Americans who are to blame because of the Global Financial Crisis. No wonder, Lehman Brothers was an American bank and its bankruptcy as well as the insurance system collapse take roots right in the USA. But the scope of the crisis has spread to the whole world. Just a few countries have not been completely affected by it but all the others suffered a lot from this financial crisis. But should we blame Americans? Definitely! These people got used to live taking loans unsecured and they even do not remember when they have paid the whole sum for an item other than a foodstuff. They all live in such a way when paying out $5 or $10 monthly during 5 or 10 years for a big wide plazma TV is a normal thing. They pay $100 monthly for a brand new car and if asked when they should have paid the remaining sum you might not hear the answer – they do not care as this will happen in 10 or even more years! Who cares! But inevitably this “life in credit” has lead to the money deficiency, to the point when the consumers’ race could not pay out anything! The banks could not do it as well as they have debtors and these debtors have their debtors. A vicious circle that has led to the biggest financial crisis since the times of Great Depression. But there are still companies that are on the flow and are offering signature loans without any restrictions. How do they do it? You will never find out but why not to try?