Blame Wall Street, at least according to Rachel Maddow. In my
book, Why Not Blame Drew?, inanimate things can't incur blame.
If you want to blame, you can blame neither physical houses
nor Wall Street. They are equally guilty (i.e. not guilty at all).
Finding the one responsible is easier than you may think. That
individual is writing this. I am the one who takes ultimate and
absolute responsibility for financial systems going up into more
flames. Blame me. Blame Drew!