One of my favorites is "It's not your fault that..." you are over your head in credit card debt because the credit card companies will not let you get out of debt. I feel not spending more than you can afford is one way to "beat" the credit card companies or even paying off your credit card each month might work. But if you are lucky enough to have at least $10,000 in credit card debt these people can help you!
There are actual people that "It's not your fault that..." is correct. A major medical emergency can wipe you out (if you can't afford a major medical policy) or if you lose your job (not thru incompetence) due to the Obama economics. These people do actually need our help not the over-spenders or people who bought more house than they can afford (after all "It's not their fault that..." that the big bad banks forced them to buy more house than was prudent so the ones who pay their mortgages MUST pay theirs).
DEBT, (n) An ingenious substitute for the chain and whip of the slave- driver.
As, pent in an aquarium, the troutlet
Swims round and round his tank to find an outlet,
Pressing his nose against the glass that holds him,
Nor ever sees the prison that enfolds him;
So the poor debtor, seeing naught around him,
Yet feels the narrow limits that impound him,
Grieves at his debt and studies to evade it,
And finds at last he might as well have paid it.
Barlow S. Vode