A week ago is was having an argument with two educated folks who put all the blame of the mortgage and credit situation on greedy bank employees while excluding those who had borrowed beyond their means. They used the following excuse: "regular people were taken advantage of, because here nobody has any financial culture". I balked at that. Where's personal responsibility in all this? One should at least try to be informed about whatever financial products are being offered to him. I believe many people here are too used to a paternalistic state.