is do we use the same moral code we use for dealing with people when deal with large corporations who feel zero obligation to act that way? If you have ever let your checking account get short and seen what sort fees they are willing to charge you really can't question if they put morality before profits. You and the bank both knew there were risk involved why should you be wiling to step up and be the only one paying the price when the risk doesn’t pan out? They are more than willing to screw you the first chance they get.

Also the question of how much of a sense of personal obligation should we feel towards society as whole? Does it make sense to keep spending a huge chuck of your salary on house that will never be worth what you are paying simply out of a sense of obligation to society? Do you keep doing it when you see your property value falling even more because your neighbors are bailing out?

When do you stop being noble and become a sucker?