You can tell a lot about people by how they define their enemy.  Everyone knows how George Will defines his:

"This is the crux of the difference between the two parties — belief
in the competence, responsibility and accountability of individuals.
When Obama characterizes my position as ‘little more than watching this
crisis happen,’ he again has part of a point. The housing market must
find its bottom, and no good can come from delaying the day that it
does."

I doubt any serious Democrat would agree with that silly characterization of the "crux of the difference" between the two parties.

Besides, and I might be mistaken, but it seems to me that the Democrats have long been alleging that certain individuals have been incompetent, irresponsible and, unfortunately, unaccountable.