With all due respect your ideas are all so flawed. That is NOT the governments role…r you kidding me…ever read about the founding documents of this country. To suggest There wasnt regulation is crazy…THE BANKS WERE FORCED by the government to loan this money. The community Re-Investment act of 1995 mandated such loans…why, the goverment order banks to lower their standards…
this is redicilous how uninformed people are…