Two reasons for the bad economy

Here's two letters sent in to Dave Ramsey. They really give us a good example of what's wrong with our economy right now. The first shows a guy who won't take responsibility for his money, and the second shows a reader being punished for her success. Click the link for Dave's response.

Dear Dave,

My boyfriend has a lot of debt. The other day a creditor called, and he wouldn't answer the phone. Then, he told me it would be easier for him to pay off his debts if we were married because I could act as his accountability partner. I don't want to be the money cop, and I wonder if he would truly be more motivated. What do you think?

Janine

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Dear Dave,

I just received notice that my homeowners insurance is about to increase $200 because my FICO credit score dropped. I recently became debt-free, so I know this score will continue to drop. I'm very confused and angry about this. What should I do?

Shelly

Mr. Right is Mr. Debt?