financial collapse shows that the incentive structures in the financial industry were completely insane. Only in a world where dubious loans could be sold off

financial collapse shows that the incentive structures in the financial industry were completely insane. Only in a world where dubious loans could be sold off en masse to government lenders does the so called "predatory lending" occur. what incentive is there to do honest business when you're going to collect your commission and then wash your hands of the loan?