for all the ****ty things you mentioned, you do realize that there has to be a buyer? nobody stuck a gun to their head
Yes, you are right. There were the sh*tty buyers of mortgages.
But I will say this, if people don’t have the money to buy a house and someone offers it to them and works it out where they won’t have to lay out any money — a lot of people will take it.
So, I don’t blame them quite as much - some people will do whatever they have to for their family and worry about the consequences later (not talking about the speculators).