See CNN story here The story laments on the plight of delinquent home owners in obtaining mortgage adjustments. I thought it rather telling that one of these home owners (shown in the image) has an iPhone. She wants sympathy for her hardship in dealing with the lenders, yet she clearly hasn't done everything possible to help her financial situation. Would getting rid of an iPhone alone give her enough money to make the payment? No. But it is a microcosm of the problem as a whole. If people like her were to get rid of all unnecessary items, they might be in a better place overall financially. Yet, it seems a much easier prospect to simply blame others when defaulting on a loan. This mindset is portrayed flawlessly in the article when it states, "Critics charge that's not good enough when you're dealing with the loss of one's home and ruining a family's credit rating." I'm sorry, but the bank isn't ruining the family's credit rating nor are they at fault in taking a home away. Playing victim and completely ignoring self responsibility is all too rampant in our country today. Now, I realize that I am assuming a lot about this lady's life and certainly I do not know her situation. It is only meant to serve as a generalized backdrop on our society today. I am not rich myself or own a home (still in grad school). I have had friends who have struggled in paying their mortgage. I am certainly understanding of hard times. One such friend was a classmate who was the recipient of a loan he had no business obtaining during the housing boom. He fell behind a few times, but when times were tough, he cut out all of the excess to make his payments. He dropped cable, internet, sold his vehicle for a cheaper one, sold his big screen tv along with all kinds of personal junk around the house. Thoughts on the current mortgage crisis or personal responsibility?