At one point he describes typical, responsible Prime-Mortgage customers: man, woman, child, dog. Just before he got to the Sub-Prime customers I briefly wondered how he would visualise irresponsible customers - and got exactly what I expected: lots of children, parents smoking and obviously out of shape, all very disorderly.

This reminded me of how strong our cultural stereotypes are. How else would one draw a pictogram of “irresponsible people”?
How do we picture ourselves? A German design agency - kognito - has sent out a questionnaire to look at cultural pictograms, here is the current state of the vote for different “pictonalities“. The left column shows the country of origin of the voters.