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Who is to blame for the current mess in the global economic/financial system, circa November 2011?

Answer by Jeff Collins:

In my humble opinion we are all to blame. Everybody' s quest to get rich, own shiny cars, have big houses, take 2-3 holidays a year etc… Spiralled out of control. The demand for this lifestyle is/ was insatiable and over a long period of time was more and more being financed by cheap easy credit. Yes you can blame the banks for easing lending standards but why not look at your own behaviour first. All those who completely overstretched themselves in the pursuit of a lavish lifestyle when they couldnt afford it need to show some personal responsibility and stop pointing fingers. Everyone was in on the credit bubble you cannot isolate one person, institution, government.

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