Who’s to blame for the financial crisis?

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I think everybody should get the blame because....

The reason I think the government should get the blame because they allowed the bankers‘ bosses to say to the bankers “if you get people to borrow more money you will get paid extra!”.

The reason I think the public should be blamed because they might have not got a good education so that means they probably have not got a good job.

The reason I think the bankers should get the blame because they are being selfish and deciding to get paid extra,their obviously not thinking about anybody except them.

The reason I think the bankers’ bosses should be blamed because they have told the bankers “if you get more people to borrow mor money you will get paid extra!”.

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