You are so right. Many of us here blame the government politicians for the situation we are in. Yet as the saying goes: " we have met the enemy and he is us"
None of us are happy to live within our means. We elect politicians who favor "our cause, our race, our special interest" and then moan when they fulfill our wishes.
Summed up nicely in this youtube video :
RE: Financial Crisis that is Looming on us.