I do think it is too easy to get credit, and for a lot of people, it means getting in trouble, because the interest compounds. I also worry now that we are in the future losing our safety nets, particularly health care, that it is going to be more and more likely people will end up over their heads. I'm not sure what the solution is.
I still remember in the corrected- EARLY 90's, just graduated from college, had a job, had a checking and savings account and I applied for a credit card, and I was turned down! Insufficient credit history. I had to open up a store credit card use it for a few months and apply again before I could qualify. Compared to now students entering college walk past tables with free tshirts and freebies so they will sign up for that credit card.