Yes, our state governments are just as inept as the Fed when it comes to fiscal responsibilities. Some states have a spending problem, some have a revenue issue and some have both. But considering that they cannot perpetually run a deficit and tend to be more responsive to their constituients eventually state govts will have to have an honest conversation with the voters about what programs they want, what they actually cost and what the voters are willing to pay in taxes. In regards to financial hard times: you, me and every other responsible poster on this site set aside money in savings from every paycheck to deal with unforseen costs. Its time both our federal and state govt's started doing the same. Lastly, yes I expect government at all levels and the individual person to accept more accountability which will lead to some winners and losers. American's have in the past done a pretty good job of taking care of themselves and others. When the gov't stops being such a nanny state I am confident that American's will for the most part meet whatever bar is necessary.