Among the various ideas to fix the financial markets, the calls for anyone to step down in the management ranks of bailed-out institutions have been largely ignored. Obama's thinking seems to be that the folks who got us into this crisis are the ones who can get us out of it. Meanwhile, attorney Ben Pavone told the Bank of America in a letter last week that he will not pay off his credit card debt until the bank lowers his interest rate. And, he added, if they try to ruin his credit, he'll sue 'em. Pavone said, "They've got to have some kind of obligation to not totally extort the public." The San Diego, Calif. attorney is angry about two things: his interest rate, which has gone up to 27.99 percent, and his credit limit, which has gone down to just above his balance, thus virtually guaranteeing he'll get hit with overage penalties.  The credit card companies are really cranking up the rate at which they're putting the screws to us in anticipation of regulation, and now, finally, some Americans are beginning to push back.