Responsibility? The onus is on the banks to lend responsibly. They made outrageously risky loans and were liable for when the borrowers could not pay them back.

Responsibility? The onus is on the banks to lend responsibly. They made outrageously risky loans and were liable for when the borrowers could not pay them back. Bailing out the banks by putting whole populations into long term debt "doesn't really teach responsibility".