One of the main causes of the financial crisis happening was the fact that banks lent people too much money. However, there are both negative and positive aspects to this. One positive aspect is that people can start and develop businesses with the help of a bank. Also by lending money the banks can help homeless people get a house and the necesseties that they require. The negative aspects of banks giving out loans are that people might want the money for unnecessary things such as a designer watch. Another reason is because banks would be losing money because not all people pay the interest fees that they should. In my opinion, I think that, despite the fact that loans help people, loans should be given out less because not everyone can be trusted to pay interest fees back to the banks.