Who's to blame for the Financial Crisis?!?

Here is a list created by CNN--top 25 people to blame for the Financial Crisis. Take a look at number 16, instead of a person, it listed the American consumer as part of the blame for this recession. Really?!? Well, I guess living lavishly, constantly spending and borrowing beyond our means, may have pushed us in more debt than we've ever been. Ok, I'm not that shock about our debts, but I'm a little surprised that we've sitting right under George Bush. Also, why is Bill Clinton on this list? While he was president, America was doing great. Then again, maybe it's because Bill Clinton made us feel so comfortable that we started spending more. :/

Click here if you want to know who these people are.