Very well said! And put in a way I can send to anyone. There is no area in life today where those personally malicious, negligent or risk-addicted don't expect others to pay for their own well-foreseeable results. In addition to this ticker topic, add health care, all insurance, education, DIE, child rearing, personal savings and disaster prep, dwelling maintenance, etc. On up the chain from individuals to entire nations. The only true and lasting remedy is genuine love for God and man, which must include so-called TOUGH LOVE or it isn't love at all.