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As I said, it is about personal responsibility but it is also about leadership. If you want to encourage policy makes it easier for those who can't afford it to get further into debt. Debt they can't afford. Rather than making policies that encourages people to save and live life frugally... then your leadership isn't very responsible either.
People look to their leaders for inspiration and direction.
This leadership (and others like Clinton) have encouraged a culture of debt. They have done this through their policies (like deregulation), their words (post 9/11? Go shopping!), their actions (waging wars beyond your nation's ability to pay for it)... and I am sure the list goes on.
This style of leadership has lead us, by example, into bad practices.
So yes. I agree that people need to take responsibility but that will only take you so far when your leaders are leading you in a different direction.
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"My hands are on fire. Hands are on fire. Ain't got no more time for all you charlatans and liars."
- Old Man Luedecke
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