I think you overestimate the coherence of your arguments. Do you respect the law? Do you agree that people that sign any contract that binds them for majority of their lives should do their due diligence and actually check what they sign or at least give it a serious thought?

Nobody here is vouching for the banks here, they share their huge part in what happened, but your views are simplistic and a bit paranoid to be honest - 'banks pushing their myths on HN crowd' - the situation has been analysed ad nauseum and its pretty clear what led to the crysis. Nobody needs to push anything, not that banks would be magically able to do it anyway