Sure, blame it on somebody else... "they". Feels good to know that you have no responsibility for any of it. How about, take some responsibility and consider that it is YOU and millions of others like YOU who enabled this by your lack of knowledge and skills. I mean, we're talking really old knowledge here. You ignore it until one day you wake up upset because you finally see the light. The baker has no customers unless the fat lady buys pies, same with banks... you and your millions of like minions are the ones who signed up for the interest-bearing contracts in a fiat monetary system, so don't blame "they" - it rests on all you all's shoulders. Those of us who take advantage of all you all have every right to do so.
The irresponsible always try to blame others for their problems, they can't handle the truth that the source is them. This is the modern American way, the end of the road to perpetual bondedness. I am not your problem, you are. However, feel free to be as mad at me as you like, if it makes you feel better.