<prompt> Translate the following text to EnglishKama vile nilivyoona, kadi za mkopo zinapaswa kuwa na mfumo wa kuokoa kwa watu ambao wanaendelea kukopa, lakini kwa kweli, mimi ninaamini kwamba ni lazima iwe na mfumo wa kuokoa kwa watu ambao wamechukua kadi za mkopo kwa muda mrefu.  <response>: i think that the whole credit card issue i think they certainly encourage people to run up the debts and but i agree with you i dont i try to limit my debts well i did buy a new house last summer that 