Historian Edward Gibbon studied the fall of the Roman civilization and had this for the second main cause:
2. The weakening of a sense of individual responsibility.
BTW, 3 was excessive taxes and government control and intervention
"The Decline and Fall of the Roman Empire"
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"...If you have paid your debts, if you have a reserve, even though it be small, then should storms howl about your head, you will have shelter for your [family] and peace in your hearts." - Gordon B Hinckley
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