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In any free market, the interest rate on all those houses would have started to go up years earlier. The bubble never would have formed at all. The market would have cooled off, then continued to grow when sanity returned.
a true free market relies on self-regulation and a common sense approach to adjusting for mishaps. yet it cannot protect against simple greed. as It has stated, regulations are required to protect to protect not only the consumer, but the system itself.

sure, you can talk to god, but if you don't listen then what's the use? so, onward through the fog!