I couldn't disagree anymore. While I do agree that credit was (is) a problem, it has nothing to do with the financial collapse (well, aside from the faulty mortgages). And I just don't think you fully understand the practices used by these predatory lenders and what they did to get them. Hint: they didn't care one iota if the loans were paid back or defaulted. Pretty shocking, isn't it? Once again, I urge you to watch the Frontline piece that hits hard on both the Dems and Republicans. You won't regret it.