Who is it to blame??

who is it to blame

i belive its to blame two people first the bankers here is why.

Because they were there the whole time. and they knew what was happening right? but why did they not stop it from happing?

and my secound person i think we should blame is the government here is why.

i also think its the governments falt because were was he when this was happing? did he see this happen and if he did why did he not stop it from happing? what im talking about is that if the government saw that this was happing did he stop it from happing? and if he did not see it was happing were was he (or she)

what do you think? Who is it to blame?