i voted no. not everyone who's got bad credit or has declared bankruptcy is "irresponsible" with their money. yes, there are the type like my aunt who always maxes out her credit cards, and basically lives off of her credit cards. there are people i've seen at the apartment complex my husband works at who get evicted because they just didn't feel like spending the money their parents sent them on the rent.
however, there are people who have to have their house foreclosed because someone loses a job, and just can't find anything, especially if the economy is in the shitter. there are people who have had to declare bankruptcy and have had to lose almost everything, because the only money that was coming in was some unemployment and money from the other spouse working three shifts. the embarrassment that, years later when things are better, it's still on their record but you still can't get any credit cards, and any place that uses equifax to verify checks will refuse your checks, so you have to have the utter embarrassment as the cashier seems to yell that it's been denied. and you have to hope you have enough cash on you to pay for groceries, even though you've got more than enough in checking.
my point? there are two sides to every issue, and not every person with money problems asked for. it's like yelling "get a job" at a panhandler: it's not the real issue at hand, and maybe that person has tried their damndest to find even the most demeaning job none of us would work, but no one will hire them.