You knew it was coming v. Mortgage fallout.

Having an opinion generally means you have a reason to believe something. Why not explain your reasonings for your opinions. Conspiracy theorists seem to have a blind reason for believing something. Generally the “Someone told me this” comes to mind. Think of the Telephone game you use to play when you were younger, when through the grape vine “banana” came out as “My grandfather fingered my butthole when i was younger”