[endtime]

We all contributed to this crisis.

I take issue with this. I certainly didn't contribute to the crisis - I'm a student and have been since kindergarten. The vast majority of Americans didn't contribute to the crisis. I'd say that even the majority of people on Wall St. didn't contribute to the crisis. Those who are responsible should own up, but playing the "everyone say sorry" game is pointless if not disingenuous.

[jimbokun]

"The vast majority of Americans didn't contribute to the crisis."

What percentage of Americans bought greatly over valued homes and have excessive credit card debt? The net savings rate has been 0 in the recent past.

I will take at face value that you, personally, have not contributed to this crisis. But a large number of Americans have.