You don’t have to be a professional detective to realize who the main culprit is in today’s financial crisis. The government’s fingerprints are all over the crime scene.
The government had the motive (the widely lauded goal of promoting "affordable housing"); it had the means (the Fed’s control of interest rates and the money supply, Fannie and Freddie, the federal Community Reinvestment Act, the "too big to fail" bailout policy); and it had the opportunity (courtesy of voters who think the government should have the power to regulate and interfere with the free market and manage our entire economy).
Of course, the government can’t be arrested or put in jail, no matter how damning the evidence against it. But we should not shy away from pronouncing the "Guilty" verdict.