Who really caused the 2008 meltdown? The popular story blames private greed and deregulation—but powerful voices like Phil Gramm and Jeb Hensarling are pushing back, arguing government policies forced banks into dangerously risky loans. They challenge the academic-heavy reports that dominated the narrative, claiming the real culprit was government intervention, not free-market chaos. The debate rages on: was it private failure—or a government-engineered disaster?
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