Assignment:
Bankruptcy-Who Is to Blame?
Commenting on the 2005 bankruptcy reform law, Todd Zywicki, a George Mason University law professor, said, "This is a matter of morality and personal responsibility." Consumer advocates, on the other hand, say the bankruptcy problem lies with the "enablers"-the credit card companies and mortgage lenders who encourage deeper and deeper indebtedness.
Question
Who bears the moral blame for America's bankruptcy struggles? Explain.