I ' ve never bought groceries at Walmart but why would you want to bag them yourself ? <| sep |> CRA loans were less than 1 % of all loans and did not default at higher rates than conforming loans in general . They didn ' t have to default at higher rates to spoil the mortgage backed security pools they were tranched in . They made formerly solid triple A pools into shit . In your haste to blame everything on the liberals you disregard basic facts . Because the liberals were at the center of the housing crisis and no matter how you try to spin it . Clinton , Reno , Barney Frank and others were DIRECTLY responsible for the crisis . Do I have to pull video of Barney Frank saying there ' s no problem with housing while the Bush white house goes to congress no less than 17 times in an attempt to solidify fannie and freddie before the collapse ? EVERYTHING democrats did in every sector of housing spoiled the system and caused collapse .