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YUP! That PRETTY well covers it! However, one could add — sleazy slight of hand management of mortgages given out to people who anyone in their right mind would know were NOT strong on being able to maintain the repayment of those mortgages!
Selling off batches of these “water based” mortgages to small “money lenders” in Europe was also a kindly touch — helps to spread out the inevitable COLLAPSE of this shell game on several continents at a time!
Never let it be said that private enterprise is “honest” and working for the “benefit” of the poor and deprived! HOGWASH! To my mind, these days, calling oneself a “conservative” is the same as shouting out that you’re a societal criminal!