Now, maybe "what I hear" isn't accurate, but then again, it comes from interviews with Clinton and others. Maybe those were sound bites and there is a larger context, but it does stand to reason that a liberal agenda to promote spreading the wealth would do this. It doesn't stand to reason that a bank operating solely on free market principles would extend loans to dangerously high risk borrowers. Banks, as a general rule, are pretty conservative institutions with a fairly low tolerance for risk.