[turbo6bar]

Can't argue with you one bit. That's why I earlier said "the real issue has been easy money." It translated into non-existent lending standards (no credit, no job, no SSN, no IQ, no signature, no problem), and was capped by outright fraud (dead men buying flip properties, homeless men owning investment condos in Tampa, etc).

Years from now, government and institutions will conclude the primary cause of the bubble was easy money. There, I just saved researchers and the government a few hundred million in studies.