The reason that secured credit cards are a good and inexpensive option is because they are reported to the credit bureaus on a monthly basis, and they have a low fee structure and annual percentage rates of interest.
The typical program structure ties premium costs for the enrollee to income as a percentage of the poverty level, which, in effect, creates a sliding subsidy scale offering more support to low income individuals.
Although new efforts are underway in Western capitals to make bonds more readily rescheduable -- by such methods as a dramatic reduction in the percentage of bond holders who must agree to a change in the maturity structure -- it may be too late for Russia.