Really?

Am I the only one who gets a little offended when whenever I'm watching a TV show where they are interviewing someone who has an accented and they feel the need to subtitle them? I mean, seriously.  I'm not moron, and most TV viewers are not idiots.  It also bugs me whenever they, in lieu of making the actors speak a different language and then subtitle it, just make the people speak with a foreign accent (I'm looking at you 24).  It's like the audience is not made of morons, we can, in fact, read! Gasp. I know, it's shocking.