The increase in household bankruptcy over the past two decades is not just due to less shame in defaulting on debts. It's also because of better technology that predicts who is likely to default. This technology helps lenders give more credit to people who are likely to default, leading to more bankruptcies. On the other hand, it reduces credit for those less likely to default. This change in credit limits matches the rise in consumer debt and bankruptcy filings from 1992 to 1998.