Since you're apparently unaware
http://en.wikipedia.org/wiki/Subprime_mortgage_crisis
It's curious how you suggest I blame companies for everything bad. It's like you blanked out about five years of Bush Presidency and the whole Republican Congress already. Not to mention my dissatisfaction with Obama being so naive and the performance of the Democratic Congressional leadership. You even forgot poor Ayn Rand. Ride that train though.
I was disputing that I only blamed companies.