“„“Bankruptcy reform, important as it was, was sort of esoteric. If you went into O’Halloran’s Pub, the fellas aren’t saying to you, ‘What’s going on with bankruptcy reform?’” says Schumer in his best guy-on-a-bar-stool voice. “But they might say, ‘What are you doing about my credit cards?’ The average person feels the second much more than the first, even though both are important.”