Read the Creature From Jekyll Island to see the predatory practices and the manipulations that the bankers went through to create their license to steal. I agree that people who took out bad loans are partly responsible, but the banks were, too, and for their actions they rewarded themselves by crashing the economy and ruining millions of others who can't recover the years of saving to rebuild their retirement.
When we were young and had no money, banks used interest rates to take from us because we were young and had not had the time to save. The only meaningful way to reduce income tax for us was to buy a home, so we did. Note the imposition of the income tax in the same year as the federal reserve act was not a coincidence. Many saved through the years trying to prepare for retirement when we could not work effectively. Those of us who weren't devastated by the economic crash the banks created are now having our savings rendered nearly meaningless by banks who manipulate interest rates again. They do this only because the corrupt puppet government has given them the power to loot from us. The banking cartel's control of the money means that we have no voice and no way to productively respond except revolution. I know hundreds of innocent people who have worked productively all their lives without profligately spending, yet may be dependent on a fascist government thanks to the banking cartel. They get no quarter from me.