No Gary, it wasn't "corporate crooks" who were responsible for the collapse, but; it was the political folks and their friends. It all started with the Neighborhood Reinvestment Act of 1979 passed during that mental lightweight Jimmy Carter's term of office. That act was then strengthened by Clinton and his congressional cronies. The pressure was then put upon the banks to make substandard loans so that the "poor and minorities" could own houses also. Never mind that there was no way these people could ever repay their mortgages. These substandard loans were then packaged and sold to unsuspecting investors by Fannie Mae and Ginny Mae, two Government Sponsored Corporations who were big contributors to the likes of Barney Franks and idiots like him. It just grows from here, but; you won't listen, so I'll stop here.