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[quote][b]Tazo[/b] wrote: No offense to anyone, but most of the time, the bank discussion reminds me strikingly of the lets-outlaw-games-and-game-development discussion. Nobody involved has the first clue on what he is talking about, but that doesn't stop him running off his mouth. Usually, when something as complex as the crisis we are in right now happens, and you come up with a simple explanation (The banks are to blame! The politicians are to blame!), you are usually on to a part of the problem, but not on the problem itself. The crisis happened, because the worlds largest economy (the USA) have been living on tick for the last four decades. Sure, the banks had their part in this tragedy, as well as the politicians. But we have been living in a world where having debts was considered a sign of being well-adjusted to the times. Now we got the bill, and all of a sudden, EVERYONE is to blame... except for ourselves. Usually, people would say "Banks make hojillions of dollars per SECOND, so why wouldn't they give me a loan to buy a house/found a company/get a car/go on holiday? Where is the risk in THAT?" Well, they did. And you (not you personally, but people in general) didn't pay back. And now, the banks are in trouble, and it's their own fault? Please. Yes, there was irresponsibility. But if you ask me, if a loan goes sour, BOTH sides are to blame.[/quote]
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