Well, words that sound more intelligent than "It's frickin stupid."
So, while those words have not come yet, I do want to pass on words from a friend of mine from high school, who talks about her experiences working at a bank several years ago:
I also saw several (and I am not exaggerating) several parents of college students come in because their daughter (and it usually was a daughter) was short $500 in her checking account. They would shake their heads and then deposit upwards of $2,000 in her account to "bail" her out. This irked me the very most of anything because at the time I was a full time student, working full time and paying for all my school by myself. I couldn't stand the lesson these parents were teaching their children. It was basically spend all you have and then some because I will always bail you out. These college students now have some of those mortgages that are in foreclosure because they had to have a home that was too big and too much money for them.