Originally Posted by epitome

If you personally gave a loan to someone who couldn't pay it back who would you blame? Who would your friends blame? You'd be the idiot in the situation. Now let's say you gave all of your money to people who couldn't pay you back and a family member had to bail you out. Who would be the idiot? Who would the person bailing you out blame?

Now imagine you put ads on Craigslist saying you'd give a loan to anyone that would ask. That would make you fucking stupid.

That is what the banks did.