In my first blog on hard choices I noted President Obama's assertion that the economic crisis wasn't simply the result of "greed and irresponsibility on the part of some," but a consequence of "our collective failure to make hard choices and prepare the nation for a new age."

Hans Morsbach, my brother-in-law and a successful businessman, responded with this comment: "Greed is a big part of the problem. The system allowed financial expert to collect commission on services of no value. Experts bun