Dave Ramsey has it all wrong.  It is not the credit card companies that are driving the American consumer further into debt, it’s the marketers who exploit rednecks into buying overpriced junk.  NASCAR, Daytona Beach, WWE, and the Smoky Mountains.  Drive down any of the main drags in Gatlinburg, Pigeon Forge, or Sevierville – the main tourist areas of the Smoky Mountains – and you are accosted with one overpriced tourist gimmick…