I'm far from perfect, and I am fully aware of it. but unlike you I don't expect everyone else to pay for my F ups... you ****ed your life and money away deal with it.
This has been ahealthy discussion about things that affect us all somehow. Name calling, and personal slams don't help. Get over the personal stuff, discuss the issue/issues. These threads seem to always end up being closed and deleted, let's get back on track so this one doesn't.