Everybody caught up in this mess was "gaming the system", from the loan managers pushing their load officers(who are now unemployed) to meet their quotas for the month, to the people who put no money down and bought a house they couldn't afford, to Wall Street who jumped on the band wagon and bought up these loans from the banks and S&Ls on spec.
But...ahem...as "we know", we don't need no "darn government" to regulate stuff like this, "right"?!
