Who forced the banks to make those loans? It was perfectly in the power of those banks not to make those loans.
Banks are supposedly experts in lending money in, pricing risk, in making loan provsion etc etc etc Private individuals typically have not done any banking exams and most people would recognise that the banks should be far more expert in finance/lending. Yet you put the blame on the people borrowing money? That's crazy. Loans are agreements between two parties - you want to blame the party that is clearly less expert.
That banks got bailed out, not the borrowers - or hadn't you noticed. The banks pumped out loans and wanted to continue to pump out loans because the more they lend the more profit for them. They did every thing to increase what they were lending - there is no evidence that they were moving toward more quality lending.
If you go back to the early nineties Brown and Blair went out of their way to be cultivate better links to two important centres of influence - the press (Murdoch press) and the City (to appear market friendly. The outcome of the first resulted in Leveson. and the outcome of the second was the financial crash of 2008.
People are worse off because of the crash in 2008 - but the immigrants/welfare system is what gets the blame.
And for any one to pretend that the financials institutions have not been extensively and consistently lobbying for less and less regulation is laughable. The Financial industry has got the country to pay for a mess they created. they created the mess by the way they have wanted to do business - yet they have sifted the responsibility for their losses and walked away.
During a conversation at work someone mentioned special constables.Turns out there were four sc's out of about 100. All of them were young. What scared me was that two out of the four were not people who I would want to give any authority to in the workplace.
It seems to me the police forces increasing rely on unpaid minimally trained volunteers, with a core of full-time police who are directed toward making sure crime stats don't embarrass the politicians.
IF CHed Evans deserves to be hounded out of football because he did something bad, or is the wrong sort, or whatever then so do the rest. Except that it hasn't happened - because football fans and clubs alike are (a) as a group very stupid indeed and (b) hypocrites when it comes to signing someone to score goals for their club
Have you considered that perhaps Ched Evans has got the treatment that he has, in part as a reaction to the treatment of the victim.
She is entitled to anonymity - she has been named and targeted by Evans supporters and family. We should note that a member of Evans family tried to film the act that Evans was subsequently convicted of. The victim has had to move house and change house and lives in fear of her life.
Perhaps that has some bearing on why many supporters don't want him at their football club.
In addition, there is possibly less tolerance in these post-Saville days for rapists and for people who might be seen to have gotten away with it.