I make no blanket judgements either way, since I m quite sure there is more than enugh blame t o go around. But I find it amazing how quickly things went from "extending the dream of homeownership to more Merkins" to "filthy, evil, rotten, rat-bastard predatory lenders." : 
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"And Jesus spake, 'Become thou now fishers of adjustable rate mortgages'" - New Conservative Bible
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