[quote=briansd1]The financial crisis is partly a result of bad underwriting and putting the wrong people into the wrong financial products.[/quote]

You mean the banking crisis that we turned into a financial crisis by making the taxpayers bail out the banks.

I say let those banks sell whatever products they want, just make sure the banks pay for the error.

Put the responsibility and pain of failure on them and they will be more careful. It isn’t really that complicated.