I learn something everyday! Destitute alcoholic... I can see myself in that camp. College student, been there, done that, still wearing the sweatshirt. That rare wine must be valuable by now... holding its value like a blue chip stock.

Further to your counter rant, I for one also hate when people blame the mysterious "they", "crooks" or "manipulators" for financial misfortunes and SP woes. If you want me to believe that, show me some evidence!