In this case, what Yuan Shuai's father meant was that if the bank didn't issue cards to his son, his son wouldn't fall into this field, so the bank was guilty. It is not an exaggeration to describe this statement as "absurd". Yuan Shuai committed the crime of credit card fraud because he owed a credit card, and the bank issued a credit card for the cardholder to spend. Using a credit card and not returning it are two behaviors. There is no causal relationship between the bank's card issuing behavior and Yuan Shuai's debt. Yuan Shuai's father obviously expanded the causal relationship. If his statement is true, he can say that financial institutions such as banks should not be established in China. If there is no bank, yes, the bank's fault lies in lax risk control, but this fault is not enough to directly lead others to commit credit card fraud. Since there is no repayment ability, why should we overdraw? Many people complain to the bank after they can't pay back their credit cards, saying that the bank's credit cards are traps. Excuse me, which bank put a knife around your neck and forced you to swipe your card? Don't always think about blaming others when you make mistakes, and don't always think about others accepting your ignorance when you are ignorant.