Why does this matter to you?
I'm not asking this question facetiously. Really. Why does this matter to you? Even if all of your friends go bankrupt, what real effects will this have on you and your relationships with them?
Often, we say we want to "help", when all we actually want to do is prove that we're smarter and we know better. Usually, we don't end up being much help at all, except making people feel bad about themselves. If somebody makes me feel bad about myself, I have even less willpower or strength to make the right decisions. This sort of like calling somebody fat, when it's obvious to everybody around them (including themselves) that they are fat. It just sends them into a shame spiral and they end up eating more and getting more fat.
It's really tough to help people. Usually, we need help to change our own "helping" habits first.
P.S. I'm really skinny.
Why does it matter? I think it has to do with the fact that I was raised a "solver." I solve problems. Folks all the time come to me for advice and assistance and solutions, and I've always provided it. It's what I do. My job has me solving problems day in and day out, across this country. I'd go so far as to compare it to the Christian value of serving others, cept I've kinda gotten a little agnostic about the whole God thing at the moment.
Not to say I don't have a spine, 'cause I do have one. I've cut folks out of my life when they don't listen (see example #1, but for other reasons). I've pulled friends out from cult meetings (see: Scientologists). But now, when people I know and interact with on a daily basis really screw themselves over, and there's only so much that I'm willing to lead them, because if they refuse to learn to fish, I ain't helping em after awhile (I am getting that way with #3, because he thought it was a good idea to restart his dating life rather than search for jobs...)
So why? Because for some odd reason I was taught to give a darn. It gets frustrating to see em do silly things (And I am not talking about dating stuff, or asking out someone out of your league, but real matters to your survival issues).
PS: My fiancee and I have about 5 extra pounds (darn beer). We used to have about 15 pounds each. Two people working together can accomplish quite a bit =)