Private insurers cannot be at fault for all of these scams, but private insurance can be used as a vehicle for tricking seniors into spending money unnecessarily.

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If that happens, both the Finance Ministry and state enterprises would be at fault, for having failed to boost revenues and harness funds.

CNN: OBSTACLES AHEAD

While smaller companies may be primarily at fault for privacy breaches lately, data exposures at Web sites run by larger companies also can happen and when they do they can pose an even greater risk, according to Ari Schwartz, policy analyst at the Center for Democracy and Technology in Washington, D.

CNN: Is the e-commerce boom fueling security holes?

Of course it is more complicated than that, but if money can be spent and energy expended to argue over who is at fault for our current economic woes, that same money and that same energy can be harnessed to divine a solution as to how to put everybody back to work.

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It could be argued that regulators are as much at fault for high default rates among some of the firms it insures as are the firms themselves.

FORBES: Uncle Sam's Deadbeat Mortgage Lenders

"If you are a cyclist and you are involved in an accident and you are at fault for causing it you could be sued for damages, " he says.

BBC: Cyclists 'urged to get insurance'

It can be very disturbing for them even if they are at no way at fault.

BBC: Riliwanu Balogan inquest rules misadventure

Republicans said Mr. Holder was the one at fault, accusing him of failing to be forthcoming and criticizing him for saying he couldn't comment on investigations in progress.

WSJ: White House Aims to Revive 'Media Shield' Bill