I say blame the politicians that put the processes in place instead of the people using what means are afforded them. What Archer is describing is not an ABUSE of the system of using it as it was designed (applied for and granted) rather than what we often see in other federal entitlement programs.

As far as personal responsibility for paying off money that you borrowed.....well that type of responsibility has long been out of favor once it was figured out that the gov't would bail you out for poor financial decisions - just as they bailed out others after exhibiting HUGE failures in proper decision making/risk management.