>The point is, most folks have nobody to blame but themselves.

This is exactly how I feel, if by exaclty I mean sortof. I could probably back up your point to death, but what about this anology:

If I sent you a bomb in the mail that explodes when you open it, shuld I get off scot free because you were "dumb" enough to open your mail?

Now what if this bomb didn't kill you, but ruined your stuff and cost you money, and you add an "e" in front of mail? Does that nolonger make it criminal? Its a tough call, imo.