responsibility, or lack thereof
There's a TV programme on right now about middle-class debt (I kid you not), and there are people who are saying things like "I know I'm in debt, but the banks make it so easy", and "everyone buys on credit", and "credit cards are being pushed at me constantly", and blah blah blah. These people all have houses; one of their cases has FOUR HOUSES. Really, people. Get a grip, take some responsibility for your own actions, and SHUT UP. I know people in genuine financial difficulty, and YOU ARE NOT THEM.