The meltdown of the American financial system has generated a lot of finger pointing. There’s an old saying: When you point one finger, you have three others pointing to yourself. So while Democrats blame Republicans, Republican blame Democrats and we all blame the “fat cats” of all political persuasions, the fact is every American who has lived beyond his or her means can count those three fingers pointing back at them. The “crisis” may have crested in the last few days, but it has been building for years. As credit restrictions lowered and “no-money-down” bargains abounded, those who thought they’d...
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