[joshgrib]

I'm not trying to make it black-and-white, there's certainly some degree of personal choice weighing in here - but it's not the core issue and it's probably a distraction. When we realized cigarettes were bad it was partially about informing people, but the main thing was to change marketing laws so you could make sure that wasn't undoing all the good info.

If I give you two loan options with bad terms and you have to choose one, then that is a fiscal policy thing and your choice is ultimately pretty inconsequential. You may be slightly better off than the person who made the other choice but the bad policy is affecting both of you.

Ultimately it's both a policy and a personal choice thing, but as with most society-wide issues the personal choice aspect falls away pretty quickly and we need to get realistic and figure out what a solution is instead of just blaming individuals.