At the end of the 1999 hit film "Fight Club", Edward Norton and Helena Bonham Carter watch as the skyline explodes and credit card giants collapse to the ground, instantly eliminating credit card debt for millions of Americans. While the average credit card debt per American household is a hotly contested issue, my 20 and 30 something friends watched the final credits of “Fight Club” roll (pun unintended) with no shortage of conspiratorial smiles and wistful sighing.