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Who was most to blame for the credit crunch? banks, regulators or people?

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Who was most to blame for the credit crunch? banks, regulators or people?

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  1. There's plenty of blame to go around and it is easy to find fault with all three groups.  The real problem is that people who did everything right are getting jammed up while those who exploited the system are getting bailed out.  And all of it is being done with our tax dollars.

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