Who Is The World's Largest Subprime Debtor ???

You guessed it - the United States government:

The United States government not only borrows in the same way that those destabilizing subprime lenders did six years ago, it does so on a much larger scale. Back in 2008, there were almost $15 trillion of mortgages outstanding (around 100 percent of 2008 US GDP). Many, if not most of these, were not subprime. By comparison, there is about $2 trillion more than this amount in federal debt today, the majority of which is repaid under conditions similar to those troublesome subprime borrowers. To make matters worse, since not all the nation’s income is the government’s, this amounts to more than 5.5 times the relevant tax base that it can repay it with.

http://mises.org/daily/6894/The-Worlds-Largest-Subprime-Debtor-The-US-Government

So who is being irresponsible now: the people or "our" unaccountable government?