While the author makes plenty of good observations, there is a huge elephant in the room that he leaves out: the main problem with mortgage loans currently is t

While the author makes plenty of good observations, there is a huge elephant in the room that he leaves out: the main problem with mortgage loans currently is that the government prints money to fund them. I don't understand how the author could have a whole section on the lender's perspective that starts with the question "Who supplies the capital for mortgages, and what are they getting out of it?" and never give the obvious answer: "The government supplies it, and gets more political power out of it by making more institutions dependent on the government".