It is a combination.
Policies from the government over the last couple of decades have combined with people's greed, and well we are where we are today.
Individuals are of course to blame too, but it is hard to pin point who got the ball rolling.
Policies from the government over the last couple of decades have combined with people's greed, and well we are where we are today.
Individuals are of course to blame too, but it is hard to pin point who got the ball rolling.