At what point does some level of personal responsibility kick in exactly?
Buy a house with zero down and no docs on a 5 year ARM, or interest only loan, and think it's going to be alright. Never put any money away for a rainy day, or invest for the future. Assume you will never be downsized or lose your job. Max out all of your credit cards and bury yourself in debt so you can take the family on a Disney vacation.
When is enough going to be enough.......? Sure, bad shit happened. But that does not negate all of the poor financial choices.
