housing crisis, who really caused it?

[reelapeelin]

Perfect Storm of socio-economic conditions...politicians on both sides of the aisle not paying attention as we sent them there to do, the general population going about their own business of survival, as we must, people wanting to better themselves and being told by people who know better that they could, toss in a large dose of "the ME generation" and a simular amount of human nature manifesting itself as greed in this case...

All the hurry uppers who want it now are scary as hell...

I'm hearing credit will dry up and businesses from small to gargantuan won't be able to borrow money to run their businesses...OK, I get that's a problem...so why not loan it directly to them instead of recreating the lenders who loan it to them, who got us here in the first place?...that way it could be lent out at much lower rates and really jump-start the economy...there'd be nothing artificial about it...