It's perfectly fair to criticize her article, criticize her decisions, emphasize the responsibility that people take in watching out for their own long-term bes

It's perfectly fair to criticize her article, criticize her decisions, emphasize the responsibility that people take in watching out for their own long-term best interest… But when financial institutions are making massive profits off of other people's irresponsible decisions, you can't ethically just say that's fine. The ethical way to deal with irresponsible people is to teach them to be responsible, not to exploit them. As long as powerful interests are profiting off of irresponsible people, those interests will actively seek to encourage continued irresponsibility…