I am sorry, I apologize. I can see clearly that I, and others like me, are entirely responsible for the present economic woes. This is because we have selfishly refused to participate in much of the economy, so that we could avoid wasting money on non-essentials.
I admit, and confesse, to, the following sins, as well as others I can't think of right now....

1) I have never taken out a car loan. However, since I have owned about
10 of them during my lifetime, I have probably cheated the now defunct banks out of about $150,000 IN INTEREST PAYMENTS. am sorry, but now that I am old, and you are eating away at my 401k, I can't afford to pay it back.

2) I own 3 houses, and none of them is mortgaged. I realize that this situation will cheat the poor bankers out of about $1.0 MILLION IN UNPAID INTEREST, but once again, I must beg off due to current economick conditions, for which I realize I am largely responsible.

3) I regularly cheat the credit card companies out of HUNDREDS OF DOLLARS each month by paying my bills mostly on time, and so not paying late fees or interest.

I keep in investments (?) the monies I have failed to pay out, so, now, of course, they are machinating to take it away from me. But I guess that's what you get if you are stupid enough to follow the rules.

Think !

MD