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In the introduction to your episode. you spoke of "we" whose avarice and greed got us into this mess. There are plenty of us that do not belong to that "we." My family has always lived within our means. We have forgone many of the latest electronic crazes and stayed at home on vacations. We paid cash for our cars which we chose for their reliability and high gas mileage at a time when SUV's were the status vehicle. We saved even though interest rates were so low that we weren't making much. Our daughter is a freshman in college who will graduate with minimal debt. We will have our modest house paid off in just a few years. All this on a couple of public school teachers' salaries.

With all the emphasis on "repossessing virtue," I feel like the kid in the class who tries to do what is right and gets punished anyway because the rest of the class misbehaves.