By Margaret Goodwin
May 27, 2009

Responsibility isn’t something people are born with. It’s learned. It’s learned by prioritizing, making tradeoffs, weighing the benefits, costs, and risks of alternative course of action, and dealing with the consequences of one’s decisions.

When an overprotective parent spoils their child by shielding them from hard lessons, or gives the child whatever it wants so the child will love them more, they fail to instill in the child a sense of responsibility. Instead they encumber it with a false sense of entitlement to whatever the child desires. Later, the child is faced with a rude awakening when thrust into a world where it has to compete with others who are accustomed to making hard choices and working for the things they desire.

Once a sense of entitlement is engrained in someone’s belief system, it’s difficult to overcome. Developing a sense of responsibility is counter to their conditioning, and they cannot easily grasp the notion that they are really not entitled to anything they haven’t earned. When something doesn’t come easily, instead of getting fired up with a sense of determination to work harder and make the necessary sacrifices to achieve their goal, they feel resentful that it isn’t provided for them. Whatever nominal effort they put into it seems like it ought to be enough. They feel a deep sense of personal injustice that they can’t have things that other people have, oblivious to the tradeoffs and sacrifices others have had to make to acquire those things.

In the real world, nobody is entitled to own a house. If you can’t afford a house, the responsible thing to do is to work and save and sacrifice until you can afford to buy one. By encouraging people to buy houses they really can’t afford, the government sets them up for failure later on when the house payments become a burden they cannot sustain. And when that time comes, the “homeowners