BM: I thought I would take as the point of departure a recent article I read in the New York Times (2008), where a certain kind of rhetoric - seen everywhere these days - was mobilized. This was an article about Morgan Stanley, one of the large financial institutions, which stated that the problem is that we consume too much. We are dying of consumption. The economic crisis was caused by an excess of consumption, and it's the fault of individual consumers who got themselves too indebted: it's a personal moral fault. You speak of debt as a technique that is an aspect of an ensemble of governmental assemblages. Could you elaborate on and react to this idea that the crisis was caused by the individual behaviour of consumers?