I would highly recommend you read the book. It's not that simple. Keep in mind this is not just a question of greedy banks this is a question of politicians al

I would highly recommend you read the book. It's not that simple. Keep in mind this is not just a question of greedy banks this is a question of politicians allowing for people to buy houses because they know for many that's the only way they will ever be able to save up for retirement. It's also a question of how Central Banks are run and used and attemps to keep the economy stable. In other words many many many factors are involved in this giant system. That there are people who were doing fraudulent things is obvious but those things do not explain the crash in itself. The mistake many do is put the moral analysis in front of the system analysis and yes then you will end up with moral solutions without addressing the underlying systemic problems with keeping a world economy going. The book dives deep into this and shows how it can be structured differently because it's more concerned with solving the systemic problem which one could argue is a more ethical position than pointing fingers at human nature. The point of the book is that the crash was not the result of some mastermind but rather a consequence of a lot of good intended decisions which simply had unintented conequences.