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Bob Crane...it was all Bob Crane.

( yes of Hogans Heros Fame)

I would say its many people fault.

People for taking loans they cant pay back

Banks for making loans that they should know are to much for them, but wanting the quick buck

Our Culture for breading a mindset of spend spend spend spend spend, you have to have it all or your not cool.

Lending practices that where at best unethical, at worse illegal

Politicians who took the eyes off those making the loans who where suppose to be oversight, but for some pay offs or because they where just wrong, said lets not watch them close anymore...