The scale of damage done by the Blair-Brown project is only beginning to emerge. The bills, mounting daily, will bear down on our collective finances for decades. The Government and its pathetic apologists can no longer pretend that our problems are someone else's fault. The game is up. It has not just presided over a fiasco, it has orchestrated one, promoting a credit-card culture in which greedy lenders and reckless borrowers ran amok.