Hardly anyone in this world is actually accountable.

There's the rub. No one is accountable for their own actions. Reminding people after reading something that could be construed as "financial advice" is simply letting them know that they ARE actually accountable. In a world where, as you say, hardly anyone is actually accountable, I don't think it's necessarily a bad idea to remind them of that fact. I'm not worried I'm "gonna get sued" but, in this day and age, it doesn't feel unreasonable to keep pounding this fact into their brains. I agree, it does feel a little pretentious sometimes like, "Who the eff am I that you would blindly take my advice on financial decisions?" But, it is what it is. Just my take...

Entertaining read as always...