Who’s to blame?
The government worker who loads on unnecessary overtime to inflate his/her salary and, thus, pension..and the supervisors who allow it?
Banks, like Bank of America, that offer a balance transfer at “0%” only to charge 4% up front on the entire balance ?
The business owner who asks to be paid in cash in order to avoid taxes?
The billionaire who uses other people’s money, materials and skills for business ventures that fail? When these enterprises go bankrupt, the suppliers (including and most harmfully the little guys) get pennies on the dollar and the billionaire walks away unscathed.
Do we even have to talk about insider trading and those receiving