Here’s a reader who really gets it:

You wrote:
I’ve already had a few liberals comment to me that it’s not enough just to say “Be responsible.”
They’re right, of course. It’s not enough just to say “Be responsible.” You have to have policies in place that encourage people to be responsible. Such as not bailing them out when their irresponsibility bites them in the you-know-what…If we want to train people to take irresponsible risks, we should bail them out every time they take one and lose.