Have we sunk this low with personal responsibility? The allegation being made is that the institutions engaged in fraud -- knowingly misrepresenting the servic

Have we sunk this low with personal responsibility? The allegation being made is that the institutions engaged in fraud -- knowingly misrepresenting the services they were offering, in order to profit. I was under the impression that most people agree the fault in fraud is on the part of the fraudster and that the damages caused by fraud should be, y'know, remedied.