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With Bernard Madoff in jail, many of his victims have focused their ire on the SEC. But were the victims themselves complicit in the whole affair? “Isn’t the first lesson of personal finance that you should never put all your money with one person or one fund?” Joe Nocera asks at The New York Times. “People did abdicate responsibility — and now, rather than face that fact, many of them are blaming the government for not, in effect, saving them from themselves.”