1. Bankruptcy bill.
2. Social security.
Here's your chance, Democrats. You've been handed two big hot-button issues. Grab 'em and run.
1. Your angle on the bankruptcy bill ... well, usury is a real thing. Debts must be able to be paid back at reasonable interest rates. The credit card companies, I believer, run a scam where a late payment jacks up your rate to 27%, which is an incredibly difficult rate of interest to pay anything back. That drives your credit balance over the limit, which incurs some kind of regular fee, $35-50. Now you're first $50 goes to fees, the next ton goes to interest, and eventually you're looking at the principle. Bullshit. It's predation by banks, and it needs to be stopped.
2. Social Security. I don't know the Dems' angle, but I don't believe for a moment that "private accounts" are going to do what they promise. Reason: Similar to above: fees. Various kinds of management fees and fund fees and such. Plus, that's a lot of money sitting around just begging to be stolen. I could be proven wrong. But we've had scandals on Wall Street on market-timing and research-report analysis that involved every single major brokerage. I see a scandal coming in 20 years where the brokerage houses esssentially stole the money. Then Congress will let them off the hook, like the S&L scandal.