What about ignorant people that walked from the mortgage broker selling them a 30yr fixed at 6.5% for another broker offering 1.5% minimum rate with 8.99 fully indexed rate shouldn't they be held accountable because they wanted extra money in their pocket to drive a mercedes instead of a toyota.  What about the speculators that were trying to buy multiple houses using straw buyers to flip?  The Lending industry went through great lengths to try and prevent these types of things from happening