I live the same way, small house, cheap car. No debt. Then I see all the irresponsible people/biz/localgov getting bailed out and wonder why I bother. It woul

I live the same way, small house, cheap car. No debt. Then I see all the irresponsible people/biz/localgov getting bailed out and wonder why I bother. It would have been smarter If i could have figured out how to work the (fractional reserve banking) system, instead I just avoided it as much as possible.