Democrats (woman and girly men) are a’holes. Unfortunately they out number the practical smart people, 75% to 25% and were the dominant force since the 1960s. Until their various stupid ideas caught up to them and the whole global system crashed in 2008. Everything changed after that.
What led to 2008? Before 2008? Year 2000 Y2K, the March 2000 Dot com bust, the following recession, and then 9/11/01 during that recession, actually threw the bankers off stride.
Forced to lower rates and give house loans with no money down. To avoid terrorists getting satisfaction for crashing our economy. So the crash was delayed to 2008. And they are having problems ever since.