Please, for the love of God, stop using the excuse that anyone suffering the myriad effects of the modern economic age are fully responsible for their situation.  It is just a massive insult to those who are struggling.  "They are of flawed character. They just need to try harder. Good people don't have health/job/relationship/legal/financial/drug/housing/etcetera problems."

On behalf of the millions of Americans wrestling with such problems, allow me to say you should go way away and have vigorous carnal relations with yourself.