I've been around so many types of people, rich and poor, and in so many different situations. I started out as conservative, then saw things that challenged what I took for granted, and have come back around again. I believe we miss what's going on to just point the finger at one group or the other. That's what Congress does, and I think we've seen how far that gets us all. They've been pointing their fingers at each other for the last few administrations. I don't see the improvement.

Do you blame the banks or the poor people for the mortgage crisis? Both parties were anxious to get easy money off those bad loans. With all this crap that's still going on, I STILL see ads on TV, at least one every commercial break, for predatory payday loans, car title loans, and easy lawsuits. It seems there's a sucker for every predator and a predator for every sucker. People never seem to learn.

In the drug problem, do you blame the junky or the pusher?

I'm not trying to give an answer, because at this point it really doesn't matter anymore. We've dug ourselves into a financial hole as a society, and we're all responsible. Some participated in the digging, others stood by and let it happen for whatever reason.

So many people have their hands dirty with this, that it could take another ten years to accurately assign blame. Like the guy in the video said, I'm tired of hearing ABOUT it. I want to know what we can do to FIX the problem. Maybe one of the first ways to is to make it clear that people will be held responsible for their bad decisions. No more help for stupidity, irresponsibility or greed. Your bank or hedge fund went under because you financed it with shaky, volatile investments - tough. You bought a house worth $500,000 for zero down and hardly a penny to spare to make payments on a 30 year mortgage, just betting on keeping that job until the day you die; but next year, things don't go right - tough. You stretched yourself too thin.

I've payed my own way, only borrowed as much as I KNOW I can pay, even if things were to get bad, and choose to share a tiny rent house with a roommate. I've forced myself to make tough decisions voluntarily, in advance, so that I don't end up with my back to the wall. Any idiot can figure out how to do that too. But I WILL maintain my independence and integrity. With the exception of the minority of people who have been the victim of catastrophic diseases or natural disasters, if you've financed yourself into a hole, by taking bad loans or making bad loans - tough.