In short, EVERYONE who does not take personal responsibility for being accountable for themselves, their money, their education or their actions. From the link posted earlier:
LINK
Everyone on that list has failed in multiple areas of personal responsibility and accountability.
- People buying homes they can't afford.
- Insurance agencies insuring homes for people who can't afford the home in the first place.
- Banks lending money to people to buy homes when the people can't afford them.
- The Greed of Man. This goes against being responsible for yourself and your actions. Greed is not a virtue. In fact, it is a human character deficiency.
- Wall Street bankers, traders and investment opportunists that find weaknesses in our financial systems and exploit them, rather than strengthen them.
- Credit card companies for allowing their card holders to accumulate debt to such extents that they can no longer afford them, banking on their debts being paid in the "LifeTime" of the card holder. Then buying and selling these "Debts" as "Assets".
There are many other ways to spin this and point fingers, however none are as notable as our financial institutions, policy makers and The People at large.