Well, here we are in a fine financial mess again, and one is inclined to say, “Well, I didn’t cause it, why should I have to pay?” This is, of course, a very good question, and one that is on the lips of millions of people. I have debt, but I am responsible, and servicing that debt rather boringly comes before buying something nice or going on holiday. But, I say that the fault doesn’t really lie with the borrowers, because, for the most part, they feel that if the banks will lend, then it’s OK. They feel that they can handle the situation because they have jobs and prospects. But then the bubble bursts and the lay-offs come and the debt-load becomes something that cannot be handled.  Read more …