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I looked in the mirror and saw someone who lives in a one-bedroom apartment, has modest and efficient '97 and '01 cars (one for his wife), saves about 10% of his income, and has no credit card debt.

So, yeah, I'm looking for who to blame.

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We're all to blame for not paying attention to what our government and fellow citizens have been up to these past years that has gotten us into this mess.

There are most certainly those who have paid attention to this and recognized this mess was coming. The poster indicating he lived in the 1 bedroom apartment clearly recognized this as the difference between his situation and how those around him were acting was too obvious to ignore.

The majority rules in this democracy we live in and we can't have all policies the way we would like. However, we at least shouldn't distort the free market to this degree and spread the cost for this failure to properly judge risk.

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