Offend me? You give me WAY too much credit.
It's about people stopping their own stupidity. It's not a simple black/white issue (color, not race).
It has nothing to do with icky. Which, is interesting that you use that word. It's not icky. And you're not a hero because you feel it is and want to advocate for them. It's stupid people doing stupid things. People who don't want to be near that should get a way from it. Plan it. Do it. You know, personal responsibility? I could care less if the rest of them beat the shit out of each other. They're seeking opportunities to shit on each other. It's unfortunate, but that doesn't make it the least bit my responsibility. You can't legislate stupidity away. You can't give it enough opportunity to change. That's why it's called stupid.
All day long I talk with people. Several of whom tell me, "I know I have bad credit. None of it is my fault. The business that I bought 10 years ago was sold to me for too much. The equipment isn't making me the money. The staff is stealing from me. But if YOU'D just give me some money I can get new equipment, I'm hiring now, and making things right now. But my success is all dependent on YOU GIVING TO ME AND TRUSTING I'LL PAY YOU BACK. I really politely tell them that the lenders don't want to be the next people to hear how the equipment wasn't quite right, employees stole, and you paid too much. I have other ways to help them. Cosigners, Collateral, slightly more restrictive terms and they all say the same thing. "I don't deserve to be treated that way."
You can crusading for people who blame everyone else for whats going on. And to 'some' extent, they may be right. But it's not 100% doom and gloom. They need to be the change.