Seems to me they preyed upon many. If you had grown up living in a family that had a hard time making ends meet , which is a lot of us. It's not hard to see how people could and were led to believe that they could get into a home. The lenders created the language of banking,just as lawyers made up their own language. Why? So we have to pay them huge amounts to interpret and navigate said language. Bankers did the same to those people, I believe. Even if they can't pay ,the banks got their house and all the payments made up until they stopped paying. Then the banks could sell their house too!! Probably not as lucrative because of the bubble pop. But who created the bubble??? Sub prime car loans will be the next bubble to pop, you watch!