The funny thing about what you're saying is that there's always somebody richer saying the same thing about you, just with bigger sums of money. "He wouldn't have a mortgage if he just made better financial decisions!" ;-)

Honestly, though, you're just stating the obvious: people screw up and behave irrationally. That's common knowledge.

The goal is to minimize the impact of poor decisions and give people a way to get back on track. "F* 'em, I've got mine" doesn't help anybody.