None?: Personal Debt in Iceland reached 213% of personal disposable income. In Britain this figure is 164%. In the US, it is 140%. In Germany about 100%. The high levels of personal debt were reflected in the balance sheets of the Icelandic banks who were willing to lend with few questions asked.

Note I didn't say you'd spent all the money though: just pointing out that opposition to the bankers only became mainstream after the collapse.