>but like with the recent housing crisis it's important to distinguish between people who we wish had known better, and people who actually did have a moral or

>but like with the recent housing crisis it's important to distinguish between people who we wish had known better, and people who actually did have a moral or professional responsibility to know better. The problem I have with this comparison is the mortgage defaults and the subprime mortgage crisis were largely caused by personal greed. People thought that they deserve a house (and an expensive/big one at that) no matter if they could afford it or not. There was very little if any personal responsibility or financial planning.