Cut off the US Government

Millions of homeowners are now struggling to repay money that they clearly should never have borrowed.  Meanwhile, our leaders are wagging their fingers at predatory lenders who allegedly entice innocent borrowers into borrowing more than they can afford to pay back.

Had lenders exercised better judgment, and had borrowers avoided overly burdensome debt loads, our nation would possibly not be in the mess we are in today.  Instead, borrowers demanded credit to fuel their "American Dream."

Now, re-read the previous two paragraphs, replacing homeowners and borrowers with "The United States Government."  Does it read any differently?