Let's 'avoid another housing crisis' by ...

... making more profit oriented instruments for mortgage lenders and insurance companies.

2 noted economists outline ways to avoid another housing crisis

One of the economists discussed is Robert J. Shiller, he of Irrational Exuberance, who is quoted elsewhere as saying:

Basically we’re in uncharted territory. It seems we have developed a speculative culture about housing that never existed on a national basis before.

Speculative culture? And just how did that happen? Those speculative devils who designed products, including credit cards and mortgages, to entice and entrap could not possibly have any responsibility in this situation? Is this really a speculative culture or a gang of wealth barons who encourage through financial product design the economic bondage of the populace? And don't forget that they get special help from our elected officials.