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Consumers are probably the obvious choice since they should know better then to borrow more then they can afford, but when you live in a society that actively promotes that mentality, combined with no regulations or restrictions to prevent it, then you can't really blame totally.
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In reference to my bold above, maybe people need to learn to think more for themselves. I know this is impossible for 90% of the idiots in this country, but really.. people that are easily swayed by too-good-to-be-true deals that anyone with a tiny amount of common sense can scream BULLSHIT on, are useless people that deserve everything thats coming to them. I think they should be forced out of their home, etc. Additionally, I dont think fannie/freddie should be bailed out.
