I live in Australia. I have read about the american sub prime loan cricis andd how it affected stock market?

I would like to know what you American think. Did the banks loan money to people that couldn’t repay the loan for greed or did, as I have read , the Government force the banks to lend money to people to give the poor people access to housing. I have read mixed reasons and would like to know what the average American believes
thank you

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