There are two siblings in college, each with a monthly spending allowance of one thousand dollars, no questions asked by their parents. The parents, in their efforts to show much trust they have in these kids, have really painted themselves into a bit of a problem. Because they never questioned where the money was going, and in fact, found themselves depositing even more money when the kids called mid-month and demanding more, they realized they’ve sunk more than fifty thousand dollars into two separate accounts that have basically been mismanaged. Not only that, but what they figured was just the cost of educating their kids has resulted in lazy kids who are flunking out of an ivy league school.

The parents are owners of a large corporation with many employees. Now the parents are broke and have decided to not extend bonuses or raises for their employees, and further, they expect to not add to their employment base and have even considered rescinding offers of promotions to many of the employees. It’s clear they expect their loyal employees to take the hit for the mismanagement of their personal finances and poor choices of giving their now-grown kids free rein. The problem with the employees, besides the obvious, of course, is if they stand together and decide it’s not acceptable - after all, these employees have no problems living within their means and saying no to their kids - and choose to institute a company-wide resignation, the whole community suffers. It’s one of the largest employers in the state, so it will certainly have an effect on a state level as well. The guilt begins and the employees begin to feel the pressure. They want to remain loyal to their own sense of pride and responsibility, but they also don’t want to be forced to finance the solution to this wealthy couple’s lapse of judgment. No matter what these people choose to do, it’s a no-win on some level.

Meanwhile, Mom and Dad are still sinking money into checking accounts for two kids who refuse to acknowledge their roles. As spoiled kids go, these two are top of the line. They feel entitled and believe indulgence is as much their right as the right to vote.

Understandably, the employees are concerned that this will be a short-term and temporary fix since the parents of these kids/company owners, believe they’re being reasonable. The employers feel it’s been a successful year and since they’ve always treated their employees like a large family - turkeys at Thanksgiving, extended maternity leaves - they can’t understand the hesitance, resentment and even anger from those on their payroll.

Even when the employees request a more detailed explanation and a satisfactory reason as to why they should shoulder this huge parenting failure, they’re told they have no right to ask. These company owners aren’t obligated to release any proprietary information, which is how they refer to this problem. Ah, but in the middle of all this drama, the company gets audited and huge discrepancies in earnings and reportings are discovered. Not much incentive for the employees to bail their employer out, is it?

The employees, it appears, will be forced to eat this liability. Think it doesn’t affect you? Well, maybe it does.

The two spoiled kids would be Fannie Mae and Freddie Mac

The parents are the government

The company employees are you and me

And the auditors? This would be the FBI who’s just released a statement announcing they’ll be conducting and investigation into both Fannie Mae and Freddie Mac.