Did you make any effort to comprehend the previous posts at all?
They both did, really, but the underlying cause was the government. The government actively encouraged them to do what they did. If the Fed wouldn't have manipulated the market conditions, the crisis wouldn't have happened. Please read the previous posts.I agree with making sure banks aren't lending to people who can't pay that money back though. Wall Street caused he economic collapse, not the government.
The entirety of your reasoning is "the banks screwed us, so we need to regulate the banks more to make things better". It's obvious you've made no effort to examine the issue any deeper than that. It's also obvious who in here is making the substantive arguments and who isn't.






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