There is a breathtaking lack of personal responsibility i see day to day.
Just for example. Bounced NSF payments. For me, its not just bad. Its life destroying. Part of my employment is "personal NSF charges that arent purely clerical error are reasons for immediate termination." I didnt just bounce a ~100 payment. Im also auto fired and without income.
I work for a credit union. The theory is, I cant have negative $ and have access to yours.
The sob stories and "but i didnt know" i hear...