All sides will use their rhetoric to point the finger to a particular cause that suits their interest. They all can pull "facts" that support their position. And all "facts" can countered with demise and opposing "facts".

The bottom line is so many people, entities, government, including those that got loans they should have never gotten in the first place are complicit in the downfall. I always laugh at the nonsense of those that don't think even the homeowner played any ill gotten part. We all know or at least heard of those that should only qualify for $200k and magically was approved for $700k and they took it. Ya, no blame there. The big game, all players guilty. Period. No one is completely "innocent."

They're all crooks. Welcome to the world of greed.