Big part of the problem were the brokers giving mortgages to people that could not afford it so they could get the commissions. It was all based on greed. Accountability is important here because no one wants any. Everyone was to blame. You can't say the people are uneducated and were taken advantage of - that's a cop out. People need to be accountable for their actions. The entire thing was a fuster cluck from the top to the bottom.

I think if people stop whining in this country and roll up their sleeves and get to fixing things it will be a better place to live. We can all lay down and cry because people have more money or we can get to work and do what we have to so we can better our lives.