Bad economic decisions by major banks or business corporations are subsidized by the government NOW

And THAT bailout - to a gang of of overpaid crooks who made those decisions knowingly & on purpose & out of pure greed - is the height of idiocy, too.

...like the personal responsibility of those who designed mortgages and sold them even though they were not basing them on the person's ability to pay...

Oh, Please. Lets rather discuss the personable responsibility of someone who purchases something he/she KNOWS he/she is unable to pay for - like idiots with tens of thousands of dollars of credit card debt at 18% to 24%- did someone force them to buy without having the money to pay and at that kind of interest rate?

Or are you maintaining that the population are simply morons who would purchase the Brooklyn Bridge were it on offer?.

Its a simple concept that many in the U.S. simply seem unable to grasp:

Live Within Your Means