Maybe I should answer with the same smug comments you give...
Ah yes, the typical non-American response, "It's all America's fault"
If you truly have financial difficulties, how about you take some of your own advice you so freely and unapologetically give and fess up to your own mistakes that put you in that bind. Neither any single American nor anyone else forced you to sign for any credit you may have taken. If you made poor financial decisions, the blame is on you. Even if you argue that banks and financial institutions were partly to blame with their free-for-all lending practices, how many American financial institutions did you do business with? If you did, the key word there is YOU did business with them.
Take some personal responsibility for your situation, then get out there and fix it, stop blaming others for your poor choices.