I don't disagree with you, but lots of people do not take charge of their financial health simply because they do not know any better, or are too trusting to en

I don't disagree with you, but lots of people do not take charge of their financial health simply because they do not know any better, or are too trusting to entities that will loan them money. And they are that way likely because their parents were that way too. A common thing I hear when talking about things like the student loan crisis and the housing market crash of the late 2000s is "well no one forced them to take out those loans" or "I took out a loan and I paid it off, why can't they?" But when it's as prevalent an issue that more than half of undergrad students in the U.S. are in debt, and the fact that poor people taking out subprime mortgages just so they can have somewhere to live can cause a global financial disaster, it starts making me think -- yeah maybe it is the "government's fault". Maybe us smart people on the top have to understand not everyone is as smart as us, and we have to build a system that works for all the truly clueless folk.