["I wonder what my credit rating is?" "It is exactly what you make it."] You said you've been taken You said you had it hard Your race was run before you could even start Now it's cold, it's cruel and it's sharp Now you're on your own without your daddy's credit card You said you've been taken You said you've been screwed Ripped off, fucked over and abused Now there's tears in your eyes and you're confused I wonder just what you expect me to do CHORUS: Isn't that too bad? You've blown every chance you've ever had Isn't that too bad? And now you're forced to live like that Isn't that too bad? You say your life's a living hell Isn't that too bad? But I've seen you bring it on yourself You say you can't believe this losing streak you're in but your excuses are staring to wear thin Now you're pounding on my door at 3 AM [Repeat first verse, CHORUS]