Whose fault is it?

Lately, you hear a lot of people asking who's to blame for the economic crisis.

Guess what - we all are.

Granted, some people are more culpable than others, but we all had a part to play in this, and we'll all have to work to get out of it. And I think that's going to take a while.

I don't know much about economics (and I really, really mean that - I'd be hard-pressed to write more than a couple of pages about economics). But I know it isn't smart to live outside your means, to borrow money to pay for everything. And I'll admit that I do that as well - but if you're going to do silly things like that, you have to be willing to accept the consequences.

Really, that's about all I want to say about this. We each need to own up to our part of the problem, accept some of the blame, stop pointing fingers, and get to work trying to make this better. I don't know enough about this whole mess to know how to solve it, but I plan to do my part - get used to living frugally for a while, save what I can, and pay off what I owe. If and when I can, I'll try to donate, since I know there are a lot of people worse off - and the only way out of this is all of us together. That means people in better positions need to give something back to those worse off. Yeah, you might think that's unfair, you want to keep what you own, you feel you earned it - but think about this: a lot of the most revered people in history are honored for giving to others, not hoarding things to themselves. Sure, there are plenty of famous selfish people - but do you really want to be remembered as one of them?