In their mind, it's not their fault. One thing is certain. You didn't have control of your starting position, but you have a great deal of control over your finishing position. In so doing they are removing individual freedom. Freedom is not free.
Freedom has a price tag.
And that price tag is individual responsibility. The starting point is to first become aware. From there, it could be launched by something as simple as making the decision to pick up a financial self-help book instead of a shopping catalog. The information in the new book begins to create a new pattern of thinking that begins influencing other decisions. Further down the road, instead of applying for a vacation loan, he's now applying for an education or business loan.