Context: There is some truth in that answer ; but it is not the whole story . The crisis is not the creation of " greedy bankers " and speculators : it is the result of too much debt , after governments and central banks failed to constrain the credit expansion of the early years of this decade . Bankers then irresponsibly exploited the opportunities afforded by an easy credit regime .
Question: Why did the bankers try to exploit the opportunities ?
Option 0: The governments put pressure on them to do what they did .
Option 1: They did n't know any better they were just doing what needed to be done .
Option 2: They are bankers and are trying to get money and riches .
Option 3: The market conditions were perfect for them to succeed .
Answer: 2