Credit Junkies

Choosing the top 25 scapegoats for the economic meltdown, The Guardian identifies the usual suspects (minus, oddly, Henry Cisneros) but adds that it has seen the ultimate enemy, and it is we:

There's no escaping the fact: politicians might have teed up the financial system and failed to police it properly and Wall Street's greedy bankers might have got carried away with the riches they could generate, but if millions of Americans had just realised they were borrowing more than they could repay then we would not be in this mess. The British public got just as carried away. We are the credit junkies of Europe and many of our problems could easily have been avoided if we had been more sensible and just said no.