A lot of people are really, really dumb with money, and even worse with plastic. They buy today's junk with tomorrow's money and then complain about not being able to get ahead, the "evil corporations" stealing from everybody. But they just can't go without that new $1000 iPhone (only $50/month! over 2 years), and that $45,000 truck that they "deserve" because they work hard.
Based on most people's financial misadventures, a $200 call is a tiny drop in the bucket.