"The villain who bankrupted middle America?"

Swiss bank, huh? Hmmmmmmm

Pshaw. You want to find a villian? Take a look at the Community Reinvestment Act. You will find a copy of it proudly displayed on your local bank wall.

The government policy actually encouraged the development of the sub prime debacle through legislation like the CRA, which they say forces banks to lend to otherwise uncreditworthy consumers.