You and I know it's an extreme example but there are lots of people that honestly believe the mortgage crisis was caused by poor people getting mortgages. Then

You and I know it's an extreme example but there are lots of people that honestly believe the mortgage crisis was caused by poor people getting mortgages. Then they reference some civil rights era act that they believe forces the banks to lower their lending standards. In fact the law says you can't deny loans based on where the applicant lives (aka, redlining).