CNN Money has an article on young people and credit cards, which shows a decrease in credit card debt and a related increase in credit scores for people aged 18 to 29. Apparently, there are multiple causes, including an aversion to credit card debt among young people AND an aversion to young people among credit card issuers.

Oh, and then there is the aggressive campaign to get people to start using prepaid cards, where the fees are all up-front and the risk is all on the side of the consumer.