[Aylw]

The responsibility for something rarely falls on one party's shoulders. The banks are like a contractor who was in charge of building the foundation of your house, but instead bet the bricks in a game of dice (and lost). When the foreman finds out, he reluctantly gives the contractor more bricks, because he's the only foundation contractor in town. You are the owner of the house. Now, sure, you should be mad at the foreman for letting this clown gamble the bricks away. But if you didn't also demand the contractor get fired, I'd say that's just a bit shortsighted.