I'm sure we're all responsible for it, Seagull.
Well it's clearly nothing to do with irresponsibe lending, or a self obsessed culture of consumption encouraged and facilitated by years of 'free market economy' brainwashing in the media. I skipped working and watched the TDF the other day - every other ad was for a payday lender or equivalent with APR's ranging from 99-1024% - I find it hard to believe that this kind of lending is anything short of usury and does suggest that SBs point about people being forced into borrowing just to live is perhaps closer to the truth that you care to admit (I mean they are not advertising for fun are they?).
It's difficult to look past the culture of individualism over community and 'have it now pay later' has been fostered and encouraged by the right for years. We live in a society where narcissism and the trappings of wealth are celebrated as achievements in the MSM while growing poverty is ignored and even facilitated by those on power - just look at the cuts to disability benefits, school funding or the deeply cruel bedroom tax.
Meanwhile the biggest political upheaval for decades is happening around us after a vote based on lies and misinformation which, if it happened in a 'third world' country, we would be probably be calling for UN sanctions against a government enveloped by a whiff of corruption.
Democracy isn't a panacea for all ills - but when something stinks it generally means it's off.
Brexit stinks at the moment - it's fine to say "I want out", but it's increasingly looking like being out will be a catastrophic mistake. The economy is tanking, the banking sector is preparing to leave the city and we can't provide the workers for our NHS and the government still do not appear to have a grasp on the ramifications of leaving because no-one knows what the deal will be. Yet we get a message that it's unpatriotic to question the government line - isn't that what totalitarian and fascist states do?
You might be fine with letting these people make the decisions that will affect us all, but I am genuinely worried... not least because I don't think it will affect them personally. Financially they are fine, they are middle aged, wealthy, predominantly well connected and they will always be in work - but for the rest of us, and getting my feedback from the businesses that I work with and for in London, confidence is low and actual business is slowing down as a direct result of the referendum vote and the subsequent revelations of our weak position from the initial negotiations.
Again, if it doesn't affect you personally I can see how you might be prepared to just go with it and see how it goes - but for lots of people that is a risk they might not thank you to take.
One more point, a small one... I try to remain (!) polite in my discussions, and you're clearly an intelligent guy even if we disagree so vehemently - so please don't stoop to the levels of using petty terms like 'remoaner' etc. they are well past their sell by date and really don't serve your argument.