Mookie - yes, banks own some level of responsibility.
But - no one held a gun to the head of the person digging themselves deeper and deeper in debt.
Ultimately, the decision rested with that person, they made the wrong decisions. Others - banks - may have made such decisions possible, but no one but the individual is responsible.
Its like saying a gun maker is responsible for someone getting a gun and then going to rob a liquer store. The person committing ther crime, or in the case of housing and overall debt - the person living beyond their means, has to take the final responsibilty.
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Good Hunting!
Captain Haplo
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