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  Some observations:
  
  microfinance works http://en.wikipedia.org/wiki/Microfinance also the introduction to this site is of interest http://www.kiva.org/about/microfinance
  
  A very interesting academic article on the social costs of deindustrialisation http://www.americanmanufacturing.org/wordpress/wp-content/uploads/2009/06/chapter5russo.pdf
  
  To dress this up solely as individual responsibility is naive, condescending and over simplistic, but is an easy way of government and corporations of absolving themselves for their responsibility for the consequence of their choices.

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