The housing crisis was not caused by people who couldn't make their house payments, it was caused principally by those who would not make their house payments. The insanely high percentage of unwed mothers is tied directly to the same cause as the housing crisis. Lack of safety in the streets " " " " " " " ...................... Bogged down criminal court system "............. % of people who WILL NOT WORK "............ Run down neighborhoods "............ etc,etc,etc,etc,.............................................