Research Freddie Mac and Fannie Mae and congressional directives from about 10 years ago... I think you’ll find the root of the problem...
I understand this didn’t just start. I would prefer to not see it continue for many decades by continuing use of government funds that keep encouraging bad business transactions by bailing them out.
I think shady lenders 5 years from now will point to bail-outs today to encourage under-informed borrowers to sign on more bad deal loans.