&gt; &quot;The people whose job it was to regulate these markets, stop oblivious consumers from taking on a $500k mortgage on $50k yearly income? The oblivious consumers and investors themselves? The government who set a precedent of propping up failed bets with taxpayer money?&quot;<p>I explicitly called out the regulators and the irresponsible consumers in my comment. Come on man, at least read what I have to say if you&#x27;re going to form such a long and complex argument against it.