I know this sounds strange, but if you look back at all your actions in the last couple of years, have you paid back every bit of money you have owed, or even time, can you honestly say that you have treated everyone who has come across your path with fairness and respect. It is very easy to point the blame for someone else’s lack of responsibility, but it always important to look at oneself in the equation and see where we can make sure our actions are cohesive with what we speak. The lessons you stated are important, however to regarded everyone playing the game to your own standards is misguided. You should read a book called the Diamond Cutter (it’s a Buddhist book but it reads well for non Buddhists) by Michael Roach
We always have to remember is that ever problem has a cause.