I'm amazed how in the same post somebody can 1. blame government for all the ills of society, and 2. expect government to come to the rescue.

The government didn't put a gun to the head of borrowers and force them into 3:1 ARMs, or buying houses with monthly payments over 35% their net income, or using their house as a home equity ATM machine, or force them into thousands of dollars in unsecured credit card debt for their flat-screen TVs and iPhones.

Yes, greed and the zealous desire to produce returns for shareholders played a role in this economic situation...but its far too simple (and naive) to point a finger at people with (R)s beside their name without pointing one just as hard at the LACK OF PERSONAL RESPONSIBILITY involved in all this.

Americans proclaim to want choice & responsibility, but as a whole are clearly unwilling to accept that responsibility and the consequences that comes with it.

A little less government and a little more Dave Ramsey would do this country a hell of a lot of good.