You deserve all this grief.

To those mortgage brokers who black-listed me as an appraiser because they weren't happy with the so-called low valuations of properties I appraised and my refusal to adjust them higher.

To those stock brokers who were churning commissions in my elderly clients' brokerage accounts, putting them in high risk investments, and who now are screaming rudely to these clients as they desperately pull their money out of those brokerage accounts to save what little money they have left.

To those politicians who eased credit restrictions and mandated lenders to loan money to people who really couldn't afford home ownership.

To those borrowers who based their monthly payments on maximum household income instead of minimum income, lived way beyond their means and got in way over their heads in debt.

To the Federal Reserve for printing more and more worthless paper money.

To the Presidents in the last 50 years who have expanded "entitlements," restrained trade with wage and price controls and regulations, eliminated the gold standard, and waged wars outside our boundaries.

I could go on and on. The finger pointing goes from the head of the country all the way to the individual. Perhaps the best thing to happen would be to let things fall apart. It may suddenly wake people up to the difference between needs and wants, the importance of personal responsibility, and the consequences of immoral actions.

In a quotation attributed to the French author, Alexis de Tocqueville: "A democracy cannot exist as a permanent form of government. It can only exist until the voters discover they can vote themselves largess out of the public treasury."