Precisely this. I wasn’t working in the industry when the last financial crash hit, and I was very much a supporter of the “greedy bankers caused this” mantra. But once I started working here I quickly saw the shades of grey. Yes the banks had some responsibility that is beyond question, but the complete lack of restraint shown by Joe Public (some not all!) in financial matters was just
. Do you really need to borrow £10,000 at an exorbitant rate to fund a kitchen makeover six months after the last one? I quickly learned that lending to some customers is as unwise as letting a shaggaholic loose in a brothel. It can only end in regret and a nasty rash. Unfortunately those customers always tend to be the ones who shout loudest.