Plenty of us bemoan the lack of responsibility that Americans take.
Are they out to make money off us? Uh, yeah. It’s the nature of capitalism. If you haven’t figured that out, you shouldn’t be allowed to sign any legal document. Ever.
This is why I get so sick of the complaining. Whatever led you to use the credit card, you swiped it. You knew you’d eventually have to pay for it. So take responsibility for your action.
And, even with people preaching the evils of credit cards, you can usually find a good number of people who will rally around the idea of personal responsibility.
One area, though, seems to fall by the wayside: Responsibility for inaction.
There are plenty of people who will sneer if you talk about wanting to walk away from your house or other debt. They’ll tell you to suck it up and accept the consequences of your actions.
But if a credit card company — or any company, for that matter — pulls something particularly despicable? People will rush to moral outrage. And it doesn’t seem to matter that the customer signed off on the Terms and Conditions without reading it first.
There are plenty of times that I screw up by not acting. I don’t send something in on time, or I don’t scrutinize the fine print. But I try to always take responsibility for any ensuing fallout.
It seems like most people just take it an opportunity to complain. It’s always someone else’s fault, certainly not a result of our own passivity.
- No one ever taught them to save for retirement.
- They never learned to cook.
- Advertisers trick them into buying things they don’t need.
If we’re really going to grow up, we also need to take responsibility for what we don’t do.
Most things that are really worthwhile aren’t easy. They don’t come naturally. But rather than stepping up to the challenge, we sit and wait for it to come to us.
I think we need some tough love.
Does anyone have the number for that stern English nanny from the reality show? I think we should have her read up on personal finance and then come and whip us into shape. Think about it, and you’ll realize it’s perfect.
After all, her whole show was about taking spoiled, immature, entitled little brats and making them behave themselves and act like real human beings.
Need I say more?