How long before the credit card co's go after this one

A federal court recently ruled that IRA's are to be protected for those filing bankruptcy. The move makes sense, but it makes me wonder how long before the credit card and finance industries throw some more money and Congress to try and get around this one. They have not tried to do so yet, but I would be very surprised if they don't try here in the next few months. Most credit card companies are hurting, after all, they can borrow money at or near prime, currently 5.75% and they charge (including penalty rates) as high as about 30%, a spread of only a max of about 24%. How can those poor bastards live on that?

Here is the article from AP via Yahoo:
http://story.news.yahoo.com/news?tmpl=story&cid=514&e=4&u=/ap/20050404/ap_on_go_su_co/scotus_bankruptcy