Is this whole collapse of the banking system just as much the fault of home owners as it is the CEOs?

fortheimperium2003 asked: It seems that in the last 30 years, people have been increasingly living of plastic. We buy homes that are way out of our price range, buy cars with no money down and make high payments, Fill up the shopping cart at Wal-mart, and whip out the plastic at the checkout counter… this [...]