For if too much debt is at the heart of the crisis, what about the over-borrowers? What do they have to say?I'm not talking about unfortunate souls who have slipped behind as a result of redundancy or family crisis. I'm more interested in Smart Alecs who signed for a dozen credit cards and then spent over the limits. Or homebuyers who enjoyed a burst of creativity when it came to disclosing incomes on mortgage forms. Or heavily geared buy-to-let merchants who worked out that instead of paying for a house, they could get a house to pay for them.