The banks make enough money out of "us" as it is......£7bn profits for Barclays and the like. I think it's disgusting!!!
As for people declaring themselves bankrupt...good for them, i think it's great that they have finally managed to break out of that downward spiral which was instigated by the banks in the first place.
I do not think being bankrupt is the answer at all, but i do think that the banks have a lot to answer for when it comes to low paid/people with limited means. They are the banks bread and butter...and they know it.