“Why isn’t the person who buys the crack guilty, and not just the “smooth-talking” crack dealer who sold it to them?”
Because the smooth talking crack dealer is not going to jail or is too big to fail. So why aren’t you upset about that? Why are you only focused on the foolish homebuyers?
When I buy a car I don't ask the car dealer if I can afford it.
When I buy a boat I don't ask the boat dealer if I can afford it.
It is up to every family to act responsibly and live within their means.
One of the root causes of our economic crisis is an irresponsible and frivolous generation that has spent and spent and spent what prior generations have worked and saved for without a thought for saving for the future, and who are always quick to blame someone else for their own irresponsibility.