There is no question the federal government, plus many lenders and financial professionals, shoulder a lot of blame for our current economic crisis.
But many individuals overloaded with debt need to take responsibility for their bad choices, too.
Take credit card debt, for example. Certainly, there has been a tremendous push -- for decades -- by financial institutions to get people to view credit cards as indispensable.
And consumers gladly went along with no complaints using other people's money until life's hardships -- a job loss, illness or divorce -- got in the way, and they could no longer pay today for what they long since had purchased.
