Meanwhile, I'm seeing commenters claim that the housing crisis is really all about the Democrats making lenders lend money to poor people.

The data doesn't track you.  The legislative pushes to expand lending to the poor do not match very well the subprime crisis, either in time or scope.  Probably they contributed somewhat, but at best only slightly.

It would be nice if everything that went wrong in the world was a result of the scheming of our ideological opponents.  But the sad fact is, stuff goes wrong.  All the time.  And there is usually no villain behind it.

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