In article ,
Han wrote:

Exactly, on the surface. Dig a little deeper and greed, stupidity and
abdication of responsibility played much bigger roles than "markets". But
I dont think we'll ever agree amongst all of us who bears the most
responsibility. Suffice it to say that the housing bubble wasn't uniform
over the US, and certainly not over all developed countries. Therefore,
either the markets were differentially manipulated, or some countries had
"better" regulation than others.

Or some states. I think (at least within the US) some areas had better
personal regulation. The majority of people did not get suckered in
because of their internal regulation more than government regulation.

--
"Even I realized that money was to politicians what the ecalyptus tree is to koala bears: food, water, shelter and something to crap on."
---PJ O'Rourke