Someone who is smart... Even a crack head knows that sh*t happens, people loose jobs, have medical problems, become disabled (which you I'm sure can relate)and they can't pay debt. Maybe in your fairyland of high paying jobs, steady incomes and lack of financial disasters it is possible for everyone to keep up on their debt. But not in the real world.
Here is my suggestion to you. Go buy a visa, take it to the sporting goods store, buy a shotgun. Then pay off your debt, put the shotgun in your mouth then squeeze the trigger.
You pathetic excuse for Life.