Ritzer has utilized this integrated approach to look at the consequences of the rise in consumer debt in Expressing America: A Critique of the Global Credit Card Society. He attempts to integrate micro and macro by focusing on the micro-level personal troubles it creates, as well as the macro-level public issues involved. Personal troubles are those problems that affect an individual and those immediately around him or her. In the case of credit cards, individuals are accumulating large amounts of debt, resulting in prolonged periods of financial trouble. Public issues tend to be those that affect large numbers of people. Credit cards create public issues because of the large number of people indebted to credit card companies, which have given rise to bankruptcies and delinquencies. Ritzer demonstrates the dialectical relationship between the personal troubles and public issues created by policies and procedures of credit card firms, such as deluging the populace with pre-approved cards, as well as targeting minors for credit cards.