[Kevin]

Choice nonetheless.

The premise I'm arguing against is that no one is culpable for their own demise in this economy.

Are some people's situations worse than others? No doubt. But I've seen damn near homeless folks scrape together the cash they needed for representation while still paying the bills. If a multi-time felon, semi-literate individual can make it, so can these apparently educated folks. They don't get my sympathy because no matter how bad they think they have it, I've seen people climb out of deeper holes.