When times are tough and money is tight, disagreements often erupt. And when discussions take place, almost always we are quick to inform the other person that the mess belongs on the other side of the disagreement. A word that prominently figures is the personal pronoun you, as in "YOU are responsible for this mess," or "If YOU hadn't spent so much on that stupid car we wouldn't be in trouble." Another variation is "YOU charged too much on our credit cards."