An escape route from all our troubles viewed from the south window
Then people complain that "why should they pay for the bank's errors?" because they are the ones that asked the banks for the cheap credit and loans of many times the size that they could pay back. The banks could be at fault for giving the people the money, but if they hadn't given the credit then people would have complained that the banks are being unreasonably mean.
A golden outlook from the north window
Oh wait! That's what they are doing at the moment. As the country cries "Why can't I get a mortgage?", "Why can't you lend to the small businesses?" Think what you would do in your house if your kids wanted a new DVD and you couldn't afford it. You would take responsibility and you would scream "NO!"
Now just scale it up a bit and then think again.