At the end of 2003, with an average consumer debt load of 115% of their disposable income, Canadian consumers are deeper in debt than ever before. Despite this, major retailers go out of their way to make it easier for people to purchase more (with debit cards and don’t pay a cent events), and harder to make payments (with gift cards and certificates that cannot be applied against outstanding debt).
Honorable Mention: Universal Pictures for developing a means of disabling the menu and skip options on DVD players until such time as their other movie previews and any other advertisements that they think we do not to want to see have run their course.