I believe the banks are to blame because they were being careless and gave people lots of loans. That is what started the financial crisis. In my opinion that is where things went down hill. I would also blame the banks for another reason. Why did they give the money to people who can’t pay back. They at least have to check. I also blame the citizens because they should also remember : Can I pay back the profit? Well instead of doing that, they were being greedy and took the loans without thinking twice. Who do you think is to blame? I’m exited to see your answers.