We're to blame, too.

The economy is a catastrophe. Our government bought wholesale the idea that business institutions were immune from the greed, stupidity, lack of foresight, market unawareness, as well as social ignorance, and unethical behavior of those who might run those same institutions. In other words, humans run our financial and business markets.

Perhaps that’s why man originally decided on laws and regulations a couple thousand years ago. So tell me, just why did our governors give up on this idea?

Oh, yes! Payola. They were more concerned about reelection results and getting re-elected than the country's welfare.

But let’s fess up. We’re guilty, too.

• For believing commercials that claim credit cards were better than cash.
• For believing we could send thousands of jobs to other countries with no effect.
• For ignoring those who were falling behind in a 'booming' economy.
• For being told the 'real' customers were the shareholders.
• For going on ‘Buy-me’ binge for the last few decades.
• For signing loans we knew we couldn’t afford.
• For not saving.
• For believing bigger is better.
• For only 1 out of 2 of us, on average, voting in any election.
• For even fewer contacting their Congressmen and giving them an earful.

The list goes on . . . and on.

At the cost of gaining a reputation as a pain in the a$$, start telling your reps your thoughts. About everything! Don't let them get away with this behavior again. You see where it gets us.