Who's at Fault?

reading about the housing mess has opened my eyes to the fact that frannie mae and freddie mac are not fully responsible for this collapse. there were many other factors that people choose to ignore because it is an easy topic to disregard the details. it is similar to the chicago cubs fans jumping on steve bartman for catching the foul ball from maybe being caught and they choose to forget the shortstop error, the eight runs the pitcher gave up, the fact that it was the eighth inning, and the fact that it was game six. everyone is quick to blame these two gses because there arent popular news shows talking about the private bank wolves lying to these people, and the people lying about their income to get loans they cant pay back. i hope we can get to the bottom of the issue and more importantly keep it from happening again. can we? can anyone?