Economic problems

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with the government bailing out big enterprizes to try and help people keep working,I can't help but wonder why they do not realize that they are mainly at fault for this problem by not controlling the interest rates of credit card companies and morgage companies to allow the public to at least pay these things off without loosing everything to pay off interest instead of actually buying the product. These firms can still make millions with much lower rates and people could be able to still pay off the dept. they can still make money at 8or9% instead of 28%. Have the government go after the real culprits. What are your ideas,do you think it would help? Thank you.