Feck that. You take the blame if you like. I have refuse to be part of the 'we're all guilty'.

The government has been careless to a fault, well beyond the point it was clear the house of card was starting to tumble down. The banks have been careless and out for profit at all cost. Where was the financial regulator in all this? Ah yes, the government was too busy lowering taxes and giving tax incentives to developers to worry about financial regulation.

let's not now pretend it all happened to the country without warning, a bolt from the blue. There were plenty of warnings along the way
the bubble wasn't sustainable. And what was the government's reaction, well, this was!