1. Does there seem to be a lack of personal accountability here too?When people were losing their homes during the housing bubble, they were blaming lenders for taking advantage of them.However, weren't they adults, with capacity voluntarily entering into a contract? Anyone?

1. People generally have different investment strategies at different periods in their life.It all boils down to what they are comfortable with.What is interesting is that most people do not participate in their company 401k plan.Why do you think that is?Anyone?