Will my hon. Friend agree that these mounting figures are most dis- maying? Is she aware that there is a growing body of opinion which holds the view that it is wrong that the community should be subsidising the folly of those who may recklessly and of their own free will give credit? In particular, is she aware that there is a growing number of debt-collecting companies which are buying debts cheaply, trading on small commissions, and harassing people who are suffering from misfortune or their own fecklessness, and that people are beginning to believe that it is no part of the duty of the community to imprison people of this kind?