This article puts the blame for the 2008 housing crisis not on poor people and subprime loans, but on real estate flippers. They did the research. Hmmmmmm.......
find it here: https://qz.com/1064061/house-flippers-triggered-the-us-housing-market-crash-not-poor-subprime-borrowers-a-new-study-shows/?utm_source=atlfb
The article won't let me copy it, so I guess you have to go there and read it: