Who is to blame for the financial crises?

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My opinion on this question is the bankers because they got more money from their bosses for getting more loan from their costumers but didn't think about how much money they had also they knew the costumers didn't have enough money to pay it of.

But this is true what i said but I also think it's the government's fault because they didn't put a limit for the banks so it all went down hill but if they put a limit to the banks the financial crises never could of happened and the world could be richer now if the government put a limit for the bank.

If you agree , disagree or think it's the peoples fault I would love to here your side in the question in the comments!

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