I think the course this thread has taken is indicative of the negative effect partisan politics has.
With but a very few exceptions our political leaders are incompetent embeciles.
Knowing that, the housing bubble should have been prevented by people realizing they can’t afford (and therefore shouldn’t buy) a house if you have to sell it when the full payments kick in. Plenty of us here figured that out, is that too much to expect?
Blame the polticians all you want (and I do too), but for decades now people have been trained to be stupid and not held accountable for their actions.
That’s as much a cultural movement as a political one, and equally at fault for this entire mess.