Who is to Blame? The following statements seem unreal and yet this is what people have stated on insurance accident claims forms. ”I left for work this morning at 7am as usual when I collided straight into a bus. The bus was 5 minutes early.” (Clearly the bus’s fault!) ”I knew the dog was possessive about the car but I would not have asked her to drive it if I had thought there was any risk.” (How could he have known?) ”The accident happened because I had one eye on the truck in front, one eye on the pedestrian, and the other on the car behind.” (Clearly God’s fault – more eyes needed!) ”No one was to blame for the accident but it would never have happened if the other driver had been alert.” We live in a culture of blame instead of personal responsibility. The Bible is different in that it very much supports personal responsibility for the choices and decisions we make. Eleanor Roosevelt said, “One’s philosophy is not best expressed in words. It is expressed in the choices