I guess you didn’t see CPAN in ‘04 when the R’s where confronted Barney about these loans and he and a few other ‘rats defended their actions - quite nastily, also!
So you are most UNINFORMED with your attempt to bring ‘everyone’ into it. You must be the last to know - even the ‘rats know what they did.
I know exactly what the "RATs" did. But they were only part of a much bigger story which the RINOs also played a major part in.
And yes, everyone was in on the take. The FANNIE and FREDIE execs, real estate brokers, property developers, construction company owners, property flippers, appraisers, your local government that adds taxes and fees to the transaction. "Everyone" was in on the game, probably the biggest Ponzi scheme ever foisted on human kind. And, the game is still going on because idiots like you don't understand the game and the fact that you are one of the marks.