Individuals certainly need to do better at money management. The banking/lending industry needs to be brought to their knees, they make way too much money without hardly lifting a finger. You're 100% correct, they are criminal. My dad said this years ago......."the banking industry needs to get back in the business of helping people, not fucking them"..........2008 was the perfect example and then let's reward them and bail them out. It makes no sense at all.