I'm not dense, we're just talking about different things. Nowhere heretofore was it said "after this" and "after that". I am, of course, talking about "before this" and "before that". IOW what's happening in the real world and the reason why Congress tightened up the bankruptcy laws and all.
Perhaps you were trying to be funny (and failing I might add) but many of the things listed above are illegal. You do know that don't you?
No business does this. Why should CC companies?
But extremely difficult to find in the real world. Name another company that does what you propose as opposed to simply raise their prices and I'll show you a company that will soon be out of business...
Banks, Car companies and their associated loan arms, contractors, plumbers, doctors, lawyers, department stores. In short any business extending credit. Granted you never know if they really can't or won't pay their bills just as you don't really know ahead of time that the eventual CC deadbeats can't or won't pay their bills.