This isn't journalism, it's a caricature of it. It is a meandering OpEd which has little substantive value to it. While thoughtful advocacy can present much of value, this piece miserably fails to do so. The reality is that in a capitalist society, there are winners and losers; the economic pie has finite limits to it, There are predators and there are prey, If the prey fails to protect itself from the predator, who is to blame? We have all of the examples needed to support this thesis. Those who bought homes with Adjustable Rate Mortgages (ARMs) simply failed to consider the inevitable consequences of their actions. Should we be sympathetic to carelessness? The author speaks of the continuing high unemployment rate. Yet, he says nothing of the failure of the workforce to prepare itself to offer needed skills and talents to employers. Young adults leave high school completely unprepared for continuing education, or to have even the smallest modicum,of value to offer to an employer. Yes, the predators are waiting. It's up to the prey to protect themselves. As a nation, we have not done that at all well. Perhaps running around blaming predators soothes wounded egos, but it does little to fix the problem