Florida is the most indebted state in the U.S., according to a 2009 research by Forbes magazine. The state has a household median income of $43,333, which is below the national average of $50,233. Yet average credit card debt is $9,797.38. In order to pay off the credit card debt, the Florida consumer will have to give up 22.61 percent of his income, which is unlikely for most households. That is a dilemma for most credit card companies, more so...