If you can't understand why your posts are ungracious, then you have a lot to learn. Go find a book by Emily Post, Letitia Baldridge, or Judith Martin and try to keep up.
I will not discuss with you whose is at fault with this economy. It is far too complex for someone like you with a limited knowledge of finance and economics and I frankly don't have the time to explain it to you. When you get your degree, feel free to discuss it with people here who actually understand. Mistakes were made by both parties (hat tip to Barney Frank and Chris Dodd) and it will take both parties to get us out of this mess.
It is NOT ungraicious and you cant even give an example out of it.