Your suggestion is that people who were fiscally responsible at that age should take things less seriously? That people who are unwilling to criticize themselve

Your suggestion is that people who were fiscally responsible at that age should take things less seriously? That people who are unwilling to criticize themselves should be critic-free? I exaggerate, but while I get your point this article irks me because I know it is an issue, but the author's situation is not typical and she goes to great lengths to distance herself from her own decisions. Here's how I could stomach this better: "I screwed up in not realizing 100k is a metric shit ton of debt to take on even as my mother told me it was a horrible idea. This is something we as a society can improve by....."