[goodpoint]

> So why blame the developers and not the government?

Because responsibility comes with power. Developers are hugely wealthy and have incredible lobbying/bribing power and they are happy to use it.

They know very well that "lobbying" and creating housing bubbles is not a victimless crime and they do it anyways.

Politicians still get blame for accepting bribes but they are not billionaires themselves and it's understandably not easy to push back.