When hard times come every one looks for a scapegoat.  Blame tough times on the economy, or the government, or a mate whose use of credit cards has been less than frugal.  Whether it is an organization, a church, a business, or a family, when the cash flow begins to dry up there has to be a cause somewhere--a reason for the problem.  Somebody, or something, has to be responsible, so the search for blame gets underway.