Clutter, Hoarding, Pyschological Diagnosis or a Busy Family

So what is it with people who hoard ‘things’ – who place their ‘things’ around the house with indiscriminate frivolity? Is this just a value system learned in childhood, the symptoms of a life too busy to sort through the ‘things’, or are these people nuts and require treatment with Tiger Woods? And the more important question: Am I one of ‘those’ people?