Blame Disorder

Flipping thru radio stations yesterday and I heard a caller on a radio show say something like (paraphrasing from memory):

Did you know capitalism would have failed long ago if it wasn’t for marketing and credit? Marketing gets people to want things they can’t afford and credit allows them to buy those things.

Set aside the fact that capitalism has resulted in the highest standard of living ever on this planet and assume the caller is correct.

I wondered, why doesn’t this guy blame people for making irresponsible choices? Nobody forces people to buy things they can’t afford.