In my opinion i would say to blame the goverment because of that they make the rules and should concider making new rules for banks. Mabye some rules could be that people only take a loan unless that person knows that they will be able to pay the little bit extra back. Also we could get the banks to completly make their own rules and the goverment can check them and approve them. It would be better if the banks did that because I think banks could get their own say of what they want to with their bank. Mabye the banks could make their own rules and so does the goverment and then they could comprimise and put their ideas together.