Key quote from one of the comments:
"The secret shame of the American Middle Class is that they listen to people telling them 'it's not your fault' too much."
"The secret shame of the American Middle Class is that they listen to people telling them 'it's not your fault' too much."
That's not middle class, that's called living paycheque to paycheque, or hand to mouth.
Human tendency is to always find somebody else to fix the blame on.
I know a lot of friends from school who would blame teachers for failing in tests and exams. They didn't get too far in life.
Like school, adults can always blame bankers or some secret cabal in the cellar for their problem instead of having to look inwards.