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I'm certainly not an economist, however I do want to say that I'm so tired of the American people blaming the government and greedy business practice for this mess. The American people (for the most part) just can't seem to take responsibility for their actions.
Just because the banks are willing to give you a loan that is blatantly more than you can afford, does not excuse you from making a bad financial decision. If you can't afford it, don't fucking buy it.
Just because there is a McDonalds on every corner, does not make them responsible for YOU being fat. Just because your credit card has a six-figure limit, does not mean you have to max it out.
If you are living or trying to portray an image outside your means, then you don't have anybody to blame but yourself.
It's time we take responsibility for our own actions and perhaps a little 'tough love' is in order.
</rant>
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