Why would anyone waste their time trying to explain anything to you as you would ignore it? Facts don't matter to those who are economically challenged and are looking for someone else to blame for their own personal problems.
Regardless of what you think, you really aren't smarter than anyone else so if you can be successful so can millions of others without govt. help.
In spite of what you feel you cannot reform the financial institutions without reform for Fannie Mae and Freddie Mac just like you cannot hold private business responsible for the same things bureaucrats are doing with taxpayer dollars. We have a 13 trillion dollar debt and rising so those bureaucrats need to get the people's house in order before raking CEO's of private business over the coals.
Every post of yours ignores the real problem which indicates to me you have an agenda. Tell us what that agenda is as it certainly isn't to benefit the average American.