In an op-ed published in The Baltimore Sun on April 15, Political Science Professor Thomas Schaller writes about how the increased use of credit cards will likely lead to more consequences than fraud. In addition to loss of consumer privacy, Schaller writes relying exclusively on credit cards leads to another big cost: the burden of servicing credit debt. “When big banks get over-leveraged, they turn to the government for bailouts. And guess what? So do individuals: Americans’ average credit card balance dropped after the financial crisis — which sounds like good news until you learn that the decrease resulted from millions of people …