idiots that wanted to own their own home

和那些为了购买住宅
and were willing to borrow to the hilt,

尽自己所能借钱的白痴
this horrible evil brew of people that couldn't plan ahead and bankers

罪孽让没有先见之明的人和银行业者
that were willing to give them enough rope

都希望找根绳子
that they could hang themselves,

吊死自己
That's sort of the theme, the drumbeat we're hearing.

一直有人在我们耳边说这些
You know sort of wonder,

也许你会想
maybe the mortgage market is a casualty

抵押贷款市场只是一场意外
rather than a cause of this crash.

而不是危机的原因
Doug has given you some readings that--

道格给了一些阅读材料
kind of a hard reading to slog through,

内容很高深
but because--although, again, if you're an Econ major

还是那句话如果你是经济专业学生