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Well, that's what I'm saying. I'm saying you're smart. I'm glad you're smart. I'm glad I'm smart. I am sorry that others are not smart. And what they did - live beyond their means - is frustrating. And I'm not celebrating them for it. But I do think there are people out there who don't have the smarts or the resources to know they're being conned (or that they even NEED to read up on the subject.) This does not resolve them from their responsibilities, and I don't exactly feel sympathy for them. Mostly, I feel glad I'm smart.
But the lenders NEVER should have given them loans to begin with. This situation is just as much their responsibility.
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