We are the problem in the sense that all of us fell victim to the third most classic blunder (the first two of course being: "Never get involved in a land war in Asia." and the less slightly known: "Never go in against a Sicilian when death is on the line.") which is the Pyramid scheme.
When I bought the game I was promised limitless ability to shape the story, have millions of info worth of over price clothing and my own personal yacht to drive around in the Mega City harbor. Oh how the times have changed...