No if you borrow money and don't pay it back you are part of the problem. Full stop. Enough shirking of responsibilities... oh it wasn't my fault etc etc... it called being responsible for you own actions. In some coutries around the world they throw you in jail for not repaying debt it is that serious... but it makes people think twice.
It is not the financial institutions that are getting bailed out... that shows a complete lack of understanding. It is the depositors (and rightly so). Why should people who have saved money prudently with that bank lose their money? The shareholders of the bank are wiped out...not bailed out.
Thats the problem with this crisis... too many people believing what they read in the press which is woefully miss-informed.