How do we file for Moral Bankruptcy?

How many billion so far to bail out the bankers, the auto manufacturers, and the rest of the Wall Street gang? $800 billion ready to hand out to the rest of the country to try and get the economy back on it's feet. Amidst all this talk of limiting pay for execs who sink their companies, and the necessity of keeping the auto companies afloat, we seem to have skipped past the gluttonous excess that got us here in the first place. It's all fine and good that we lambast the suits for the fate we're all suffering but let's take a look in the ponds reflection before we throw another stone in. Long ago in this country we lost the ability to ask our ourselves "do I NEED this or do I WANT this" when we're standing at the supersale at Gigantic Boat Inc in the middle of Kansas getting ready to sign the proceeds of our 3rd mortgage on the 40ft Cabin Cruiser with gold pinstriping on the bow. Blaming the guy at Gigantic is as appropriate and non-sensical as suing the pimple faced teenager that sold you the bucket of chicken for your triple bypass. But in the good 'ole USA, you can sue the tobacco company for their product giving you cancer and the police for shooting your uncle when he was caught robbing the Kwikee-Mart and wouldn't "Halt"! Blame whomever you want, but the banker didn't make you sign and the chicken didn't jump down you're throat. I don't know where it began (and no it's not the fault of television or rock-n-roll), but we need to put the parents of the next generation through the rigorous training some of us got from our parents; it's called "NO, you don't need that". And I don't want to hear that you work so hard to give your kids everything you didn't have....BS, you're lazy and you're escaping from something driving the Audio Quattro that you can barely fit in. Grow a pair, push yourself away from the bucket of chicken and give your kids something they're really gonna need, the ability to say NO to the thinsg they don't need and can't afford...especially now since they won't be able to retire!