As usual, it is the salesmen on Wall Street who are blamed for the crisis.

All they did was identify a demand for a certain type of security and then supplied product to meet that demand.

As is usual, this article attaches no blame whatsoever to the incompetent charlatans who are very highly paid to select investments for the "pension plans and investment schemes" that Prof. Momani purports to be so concerned about. Investment analysis? The salesman said it was good!