Well,
YOU said they were rhetorical questions, which means the answer to both of them is yes, you just refuse to say it because it wouldn't fit your narrative.
As for the subprime idiocy... there has always been subprime idiocy, but NOW the banks know that if shit hits the fans, they don't have to pay for it, the Government (aka WE the PEOPLE) do.
The first article is an example of a shady dealer, and an asshole buyer.
The second is an example of the government doing it's job. Which they are supposed to. It doesn't draw any conclusions, or make any statements. It doesn't say the banks have done anything wrong. It's really a nothing piece.
http://blogs.wsj.com/economics/2014/...blown-for-now/
A counter point.