U.S. housing policies are the root cause of the financial crisis. Other players. "greedy investors," investment bankers, foolish investors, imprudent bankers, incompetent rating agencies, irresponsible housing speculators, shortsighted homeowners; and predatory mortgage brokers, lenders, and borrowers. all played a part, but they were only following the economic incentives that government policy laid out for them. According to this thought of Peter Wallison, the culprit for the financial crisis is mainly: a) Market failure b) Wall Street's rapaciousness c) Government failure d) Excesses of capitalism