It’s ridiculous to blame lenders/banks etc for the mess.
That’s like blaming a restaurant or liquor store owner for selling alcohol to an alcoholic
OR blaming stores that sell cigarettes to someone that gets lung cancer etc.
You can also kill someone with a steak knife, or a big plastic bag. Are the providers guilty of anything ?
Of course there are legitimate reasons for foreclosure and people should understand their options but NEVER EXPECT to be allowed to keep a home that they cannot afford.
The idiots in congress that pretended like they would fix the ‘problem’ were the same clueless idiots that allowed the problem to happen.