Man, are you clueless.

Ever heard of the Community Reinvestment Act (thank you, oh worthless one, Jimmy Carter)?

Or William Jefferson Clownton's AG (the lovely janet-baby), threats of throwing the entire power of her office, pursuant to legal action (read lawsuits) against banks that did not lower their standards?

Or did you watch the congressional public hearings, wherein Republicans were called "racist", right on the floor of that hallowed and august institution's floor, for questioning Mr. Raines and the policies of FNMA?

Blaming banks carries no water. They were actually forced into what was done.

Ever tried to read a little on the issues?

And, I mean read facts, not pontifications.