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Wow what? If there was no demand by the end user for dodgy mortgages, then there'd have been no dodgy mortgages to bring down the banks.
And you think there's no dodginess in manufacturing? Really, you're that naive?
When I was an apprentice, it was normal practice for sales reps to get their customers pissed, supply them with hookers / strippers and envelopes of cash. It wasn't even hidden in them days, it 'just the cost of doing business'.
Nope, that wasn't down to her, that was down to the greedy public living waaaay beyond their means.