Financial institutions don't cause financial crises, governments do, according to Hank Paulson, a central member of the U.S. government during the most recent crisis.
http://www.huffingtonpost.com/2013/08/27/hank-paulson-cause-of-financial-crisis_n_3822417.html
http://www.huffingtonpost.com/2013/08/27/hank-paulson-cause-of-financial-crisis_n_3822417.html
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