And most people spouting about it on internet forums or leaving comments on news sites have actually no understanding of the actual situation, how finance and liquidity of the markets work, how government policies impact economics etc.

It is funny how it is only the banks faults. Surely a government encouraging irrational borrowing and consumers who decide to live well above their means should share some of the blame too?

Greed is shared amongs all levels of society, from the quants fabricating value to the sub prime borrower deciding to go for that mortgage deal that surely looks too good to be true.