oh boy. Whatever happened to personal accountability? You failed to mention this. Living within your means would mean the end of the middle class? That really makes no sense to me at all. What about taking pride in what you have and being accountable for your own actions? Doesn't that mean anything to you? Running up debt to keep up with the Jones family is crazy. Blaming that on others is well, incredibly naive sounding. I'm not talking about banks doing the wrong thing as far as lending practices, just focusing my comments on personal accountabililty.