Most people do accept responsibility.
This is the problem:
>In the decade through 2018, average household incomes for those with a high school diploma have risen about 15%, to roughly $46,000, according to the latest U.S. Census Bureau data available.
>Not only is that less than the 20% increase registered on a broad basket of goods over the span, but key costs that play an outsize role in middle-class budgets have increased much more: home prices are up 26%, medical care 33%, and college costs a whopping 45%.
>To keep up, Americans borrowed. A lot. Unsecured personal loans, as well as mortgage, auto, credit-card and student debt have all steadily climbed over the span.
Companies don't give (adequate) raises. They return money to investors. So, every year, the middle class is losing ground.
These people are desperate. You can mock them all you want, but they're out there building your home, making sure your utilities stay on, deliver your produce to your favorite store. They're trying, but the economy is taking advantage of them.