Interest rates were extremely low to the point where investors did not want to take part until more CDO. Banks preyed on prospective homeowners. The subprime mortgages were loaned to the investment bankers continually selling off mortgages that inevitably became foreclosures. More houses were for sale without demand and default rates became a national issue. The financial system imploded as investments became worthless.

There appeared to be little governmental regulation of business as more people were at a reasonably secure financial state. That majority enabled financial institutions to dangle incentives and eat the risks, however to an excessive state. This warrants the need for regulation. With more financial institutions willing to invest in more business opportunists that take part in offering lines of credit at the time as opposed to the maintenance of the funders allowed more instability rather quickly.

The dreamers received the homes, vehicles, and entrepreneur office spaces with opportunities to invest in both themselves and the markets they exchanged with, but the risks grew exponentially and lost at the same level because the investment could not be matched or sustained. These actions led to a greater need to make information more transparent and advisement of debt ratios and policies of bank chains and broker carriers alike. Today, the risk disclosures as to not give false impressions and advise inevitable accounts of risk exposures with underwriters to properly assess and categorize the codes of conduct for credit rating agencies force a balance.