Actually studies have shown that it was mostly predatory lending, loan sharks, and mortgage fraud caused by the institutions them selfs. Surly, some people are responsible but certainly not the majority, or those who just didnt understand the fine print. Lack of regulations is all it is. Now, let's see who we can blame the crisis on - oh yah, teachers! lol. I can only agree to further tax cuts to corporations if we start taxing the rich! You can throw ur ideology all u want, but the wealth gap is increasing, and that's only a fact, I know the right wingers do not like facts.