Academic Language Practice Paragaph 16

Should there be more restrictions on credit card use?  Marta: Thinks that using credit cards will eventually put you in a situation, that you do not want to be in. Especially if your having to due time in jail. Jeff: There should be more restrictions on credit card use because as the time your payment is due, many are in debt. Hunter: Restrictions on credit card use should because theres so many people who are loses so much money, many do not have a job. Behind that, this is the reason we in the United States have budget cuts as of now.