Yeah, I do agree. Part of me always wants to help people so that influences me sometimes. Typical bleeding heart, eh? But yeah people do need to have more responsibility.
Yeah, and you are absolutely right about parental education only works if the parents themselves are educated on what they are teaching. Unfortunately probably a lot of irresponsible credit users learned it from their folks.
I understand man, many call me too hard, firm, brutal and stuff like that...but I'm not really. I apply ownership, responsibility and discipline to my life so don't see why others can't do the same. You know? It's difficult sometimes, but that's how life is. I'm not one to always seek the easy option because often achieving great results means doing difficult things.