What I'm trying to say Peter is that they're not blameless and have to take at least a portion of the responsibility for their actions. Lets compare it to the actions of the German people between 1933 and 1945, the state told them to hate Jews and so caused the murder and annihilation of over 6 million people. Do we accept the typical phrase of 'I was under orders' or 'there was nothing I could do, it was the propoganda that made me hate them' I think not!. Although rather an extreme example I think it highlights the main point that I am trying to put across. Everyone, ultimately has a choice, granted the banks and the government have to take their share of the blame but so does the individual!