I just heard on the news this morning about a company that there are a lot of complaints about. The company is telephoning people with bad credit and offering them a credit card. They ask for bank account information before disclosing that there is a fee of $150. People are complaining that even if they refuse the card upon hearing about the fee the company deducts money from their bank account anyway. When a reporter asked a company spokesperson about this the reply was, "These people willingly gave out their bank account information. They need to take personal responsibility for their actions."
Asking your victims to take "personal responsibility" for their decision to trust you after you have abused that trust strikes me as unbelievably arrogant. Is "personal responsibility" becoming the new last refuge of scoundrels?