Who is at fault for the Subprime Mortgage Crisis?

I’ve heard opinions that the subprime mortgage crisis is the result of predatory lending, uneducated borrowers, over-valued homes, and a lack of government regulation. What do you think is the main cause? Are there other causes than the ones I mentioned? How do we avoid this situation in the future?
It sounds like there are a lot of groups to blame, but how do we keep this sort of crisis from recurring?

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