Who’s responsible for the housing crisis?

Just tune into talk radio, turn on your TV, or pick up a newspaper and you’ll likely hear and/or read the following statement regarding the current economic crisis: Wall Street is unethical! “They” got people to sign up for bad mortgages, which led to defaults and foreclosures. Now look: "They" have caused a recession.My personal experienceI remember vividly – as if it were yesterday – telling