bad laws are bad laws. If someone decided that hitmen would not be legally prosecuted and murder rates went way up, the person that changed the law should have some blame, the hitman should have some blame and the people that hire them as well. But I have no idea what you mean with your post. Do you mean that Reagan should have cart blanch for starting the processes of deregulation and making it easier for mortgage companies to give bad loans but Clinton should have all the blame for deregulating even more and making it even easier for mortgage companies to give bad loans. If the guy in charge when deregulation happens has no blame then why blame Clinton? And if that is not what you meant, then why should the only people that get blame are people that use the system and the laws to benefit themselves.