Be careful of who is looking down their nose at whom because my words come from having personally bailed out people who genuinely did not have the capacity to make sound financial judgements.

I'm not making judgments of the people you're speaking down about, I'm making judgements of a nation utterly failing to prepare its citizens for the financial realities of our world. It's not a personal failing for hundreds of millions of people to be financially illiterate, it's a failure of society and those elites who like to gaze down at the dirty peasants for not knowing better.

Many forget that the other side of the "personal responsibility" coin is "social responsibility". Often the ones invoking the former can't even conceive of the latter.