No one forced anyone into taking loans or living in places with expensive rent. Just because someone—erm, our whole culture—lied to you and you took the bait, doesn’t mean you’re off the hook. That’s how freedom works. It requires individuals to know, to teach their kids not to take loans from creeps (aka basically all loans), not to believe nonsense mantras like the value of higher education. Just because Barack Obama made some pretty speech about going to college doesn’t mean he’s right. It means he’s getting votes by making people feel good. Just because you feel like you “worked your butt off” doesn’t mean you actually did anything or that anyone owes you anything.