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Wall Street's side bets on the mortgage market dwarfed the actual value of the real estate in question.

"And why did synthetic C.D.O.’s become popular? One reason was that the subprime companies were starting to run out of risky borrowers to make bad loans to." http://www.nytimes.com/2010/04/17/business/17nocera.html?hp

Everyone shares responsibility, sure: but culpability is proportionate with the harm. Individual mortgage holders are a rounding error in this analysis.




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