> People being given loans without due respect to there payment history led to an economic crises when they failed to pay them back at the expectex rate. > Stu

> People being given loans without due respect to there payment history led to an economic crises when they failed to pay them back at the expectex rate. > Student loans, again given without normal consideration, have a higher rate of default and forgivenes. Remember the common theme here is government underwriting and encouragment of loans outside of economic theory (or inside economic theory in a negative way, to be pedantic). If someone buys a dangerous guard dog that has historically saved lives but mistreats it and it harms someone innocent, do you blame the dog? To exit the analogy, it is capitalisms job to make money and the governments job to regulate. Capitalism has catapulted America and the rest of the world into an absolutely unparalleled standard of living where right now is the greatest time to be alive literally in history. However, the regulatory piece is wavering and doing damage. Corrections need to be made with minimum neccessary force to not throw the baby out with the bathwater.