Some structure and rules are needed, for sure. But SoCo the key word here as you mentioned is "Some"
I'm a republican with strong libertarian views and beliefs. I'm not in the debt/foreclosure situation you describe, though I'm sure people from all walks of life and political parties are in that situation. No one ever said it was a problem unique to democrats. Further more I'm sure there are some in that same situation who are taking upon themselves to dig themselves out, without wanting help from the government. Whether they are dem or rep, it's a nobil effort and something they can be proud of later and have a hard lesson learned as well.
Stuff happens to everyone. Some by their own fault and some by just circumstance. The thing I look down upon are the people who don't care that they get themselves into trouble, and repeatedly do it, yet always expect to be bailed out by anyone willing to help. I don't care what political party you believe in, that kind of stuff really ticks me off. Americans should be able to govern their own lives, and take responsibility for their own actions, it's not a governments job to do that. Most adults I know are able to do that. Democrat or Republican, carry your own weight is all I ask, and try no to get yourself into trouble if you aren't sure you can dig yourself out of it. That's all I'm saying.