But I've yet to hear of one single incident in which a banker or legislator pointed a gun to a person's head and made them take out a home loan. You're right, a lot of these people who got these loans are to blame as well, getting themselves in over their heads with these loans. They hold responsibility as well.
How do I manage all this? I don't stop to ask, "whose fault is it that I'm poor?" I just work 'till I'm not poor anymore. Right on!