If all this were easy there would not be so many
experts disagreeing on how to fix the problem.
They still dont have a clear picture on exactly where
some of these firms stand.

Shareholders of these financial companies are also
to blame. They ask the CEO's why a competitive investment
bank is making more money. So the competent, reasoning
CEO says our competition is making complex financial instruments
that are very murky and hard to figure out, but the bottom line
is they are building a house of cards, because everyone should
own a home... You tell that to your shareholders when the
competition is making money hand over fist and they fire you.

These guys just hid numbers in complex packages and played
top of the pyramid then got out. And oh yes... everyone should
own a home, even if they cant afford it... remember?