From a graduate student:
I hear this all the time at school, and much of the liberal argument comes from a Marxist materialist view — that is the fetishism of commodity makes it impossible for people to “choose” to avoid bad loans or credit card companies when they show up on their campus.
I find it interesting that the same people who think a 15-22 year old is smart enough to “choose” to have an abortion, “choose” to get drunk, and “choose” to be promiscuous, claim that student isn’t smart enough to “choose” to avoid signing up for a loan or credit card because there is a free T-shirt attached.
Julie Stewart