Let's not pull at that thread. I've tried to convince people for years that the biggest cause of the 2008 crash wasn't the banks, it was the rating agencies, b

Let's not pull at that thread. I've tried to convince people for years that the biggest cause of the 2008 crash wasn't the banks, it was the rating agencies, but that's more complicated than people want to get with it. It's a lot easier to just believe that "the system" is "rigged" and "out to get you". In the UK, people should've known they couldn't repay their mortgage if they got in trouble, and it's why I continued renting until 2013. In the US, I'd have happily bought a house with 0% down and no obligation if it goes against me.