Comment: "...or is it our fault and responsibility for allowing it?"

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In reply to comment: Did they really comit fraud (see in situ)

"...or is it our fault and responsibility for allowing it?"

That.

And the people of Iceland took responsibility for their inactions.

I believe they are setting a very good example for the rest of the world.

"We are not human beings having a spiritual experience; we are spiritual beings having a human experience"—Pierre Teilhard de Chardin