Blaming people for being in debt is like blaming people for being fat, when the money is broken and the food is poison.

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No blaming here. You avoid debt and you avoid bad food. This is simple. No one is a victim here.

Stop living outside of your means.

I think blame needs to be placed and it's on the system that caused it.

The system never caused individuals these problems. The individuals brought these issues upon themselves. Debt is not mandatory is it? I will say it again. Live within your means.

Live within your means while it dries up at a rate of 10% a year.