I see that regulations are being discussed in Washington to curb the power of credit card issuers. The new rules would limit their ability to arbitrarily raise interest rates, or otherwise change the terms of their agreements. They claim that this is the raving of paternalistic interfering busybodies vitiating the power of free markets, much like setting the slaves free, or outlawing cannibalism.
Some of the card issuers send alerts to mobile devices. Currently they're like text messages or something. I think we're meant to be grateful that, so far at least, they don't make us wear shock collars.