Faith is seeing light with your heart when all your eyes see is darkness. Even when the world seems filled with darkness and despair, the Lord's light can fill our souls with joy and hope. If we have faith in him, He will give us his comfort.
Some people have been offended as I have told them this - well I used a different word than stupid but I don't sugarcoat that it was their bad decision that got them into trouble. I have made too many bad decisions to tiptoe around now.