Some might argue fault does not equal responsibility.

Alright, fair enough. I like that clarification. I certainly know folks work harder than me as well. Good point. (But you must admit there is a generation of folks who want to succeed without the effort, yes?)

I'm here. And so are you! It's a party.

So is arguing on the internet.

Another subjective opinion.

It's true. But just remember, everything is relative. :)

Well your debt is your sole responsibility. You're not entitled to other peoples "riches".