A Culture of Moral Hazard

As I was driving back from some golf at Old Brockway yesterday, a commercial came on for a bankruptcy law firm. It featured two women talking to one another. It opened with the first girl saying “Wow, nice car! I thought you were having financial troubles...” The second woman goes on to explain that she has filed for bankruptcy, using the services of our friendly local bankruptcy lawyers.

The commercial ends with the first girl saying “By the way, you look hot in that car.”

Twenty years of outrageous moral hazard has sunk into the larger culture. It’s not just for big banks anymore!

We are about to discover just how valuable the frugality and modesty of traditional morality were. Debt expansion can only paper over moral rot for a few decades.
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