Where have all the people able to tell themselves “no” gone?

I guess the most galling thing is that they don’t feel like they did anything wrong. The maximum expression of guilt is along the lines of “Yeah, it was stupid of me…” or, “I should have known better” (i.e. I was tricked) The comments are wrapped in language like “I’m trying to save my home” (from what? from whom?) and how greedy/evil the lenders are.