But how responsible for others am I? My coworkers are bad with their finances. Is it my duty to protect them from creditors? How can I do that? Should I steal their credit cards? Should I take charge of their finances entirely? It's not just debt they need to be protected from. None of them are preparing for retirement. Am I responsible for making sure that they have money to retire?

Honestly, they're all idiots. It would be best for them if I dictated their entire lives. That way I could make sure nobody takes advantage of them.