Thank you! you have said it the best way that I have seen yet. No one is talking about removing personal responsibility. However when a pattern has emerged we

Thank you! you have said it the best way that I have seen yet. No one is talking about removing personal responsibility. However when a pattern has emerged we have to look at how we got here in the first place and realize that there is likely something fundamentally wrong. If it is found that there is that fundamental issue, the government has stepped in many times to address systemic issues, bailouts, etc. (I fully acknowledge that they have not done this equally, but that's a separate topic) Besides, if you really just want to boil this down to numbers. People actually having money to spend instead of it just being stuck disappearing towards loans that they will never pay back, will have a positive impact on the economy.