Congress a Bunch of Idiots

This applies to both sides and the President.  As an individual do the banks allow you to keep piling up debt once you have reached the point of no return?  The answer is no.  However the government thinks it has an unlimited credit card.  This is why we are in this mess because nobody in Congress or the President, for the last three decades, has had the balls to stand up and say we can't spend more than we take in.