When we ignored the basic laws of economics we had a mortgage crisis and thousands of people lost their savings and jobs.
There is plenty of outrage over that and all sorts of other things, just not enough to change the way things are. Too many interests, too-many individuals with their entire lives and mindsets invested in the way things work at the moment. As someone that advocates less state-involvement at all levels, I find it incredibly frustrating to watch day to day things unfolding. Every single facet of our lives is affected and skewed by the state in one way or another. Sometimes in a good, and sometimes in a bad way.
No they don't. Loans are insured against default. Interest rates more than cover extremely low default rates and then some.
https://en.wikipedia.org/wiki/Collateral_protection_insuranc...
http://www.investopedia.com/articles/investing/022416/why-ba...
https://en.wikipedia.org/wiki/Emergency_Economic_Stabilizati...
Clearly you spend more time attempting to belittle than understand the conversation.