dont forget the greedy loan originators/mortgage brokers/realtors/appraisors/construction workers/service companies/salesman, etc/etc/etc....

lots of folks played in the game!....but, while ignorance (or stupidity) might not be an excuse..it should limit the liability......most of the bottom rung players are broke and have ruined credit now...

these "top shelf" scumbags like paulson & co., or (name your financial CEO) are the ones who ended up with the cash...and were all too happy to encourage the bubble, then short it, and watch it burst (or even cause it to burst)....like hondo said... "let them eat cake"...

in the US, we should have a "get your money back" holiday...everyone grabs a pitchfork and goes to (name your financial CEO) house and "settles thier debt"...