<prompt> Human: Seriously! The debt posts in rpf are unimaginably sad! Given that only people who think hard about their finances probably even visit this forum, I cannot imagine the state of the general public! Why isnt anything being done guys? Shouldnt there be some protests? Shouldnt you guys at least be trying to educate kids going to college on what theyre getting themselves into? It just feels sad that what is considered to be the most powerful country is screwing its own citizens so badly.  <response>: It just feels sad that what is considered to be the most powerful country is screwing its own citizens so badly. I agree with your premise that A LOT of people are highly in debt, however blaming it on the governmentauthorities isnt exactly accurate. Sure, theres not a huge public education push for Personal Finance. However, were each our own person. You, me, others on rPF all found ourselves on this site and educating ourselves without being encouraged or pushed by the government to do so. Ultimately its about personal responsibility.Heck, even a quick Amazon Book search of personal finance returned 46,000 results. The resources are out there for those with even an iota of maturity and responsibility. So with that said: Yes, it feels like so many people have negative net worth and more surprisingly seem unphased by it. 