Our Financial Crisis--Who's At Fault?

Ok--here's my problem. It happens every single time something negative happens in this country. We blame the administration in office. Not prior administrations. And then we seek "Change." NEW YORK (CNNMoney.com) -- The nation's financial system is in the midst of a massive shakeup and many on Wall Street and in Washington are pointing fingers and looking for someone to blame. But in the end, it all comes back to one issue - housing. Earlier this decade, it was much easier to get a mortgage. Home prices soared about 85% from 1996 through 2006 in inflation-adjusted dollars, creating a bubble. Then the bubble popped. And the fallout isn't over yet, experts say. Hmmm...it seems to have started in 1996. Correct me if I'm wrong--but wasn't a DEMOCRAT in office in '96?