On the Fact that Everyone Was a Genius (or so They Thought) When Their Houses Were Doubling in Value but When the Bubble Burst (as Anybody with Even a Scintilla of Economic Knowledge Had to Have Known Was an Inevitability) it Was All Wall Street's Fault

So much for personal responsibility and don't even get me going on government ineptitude (the Fed flooding the market with cheap money and artificially low interest rates, Fannie and Freddie reducing lending standards and Hoovering up hundreds of billions in sub-prime loans, the government-sponsored and monopolistic ratings agencies laying one egg after another, Greenspan, Paulsen, and others establishing what can only be called a bailout culture, etc.).