Homeowners. Think of it this way. If a person drinks and drives and kills a group of people, who's responsible? The government for not stopping the drunk driver? The bar for selling the alcohol? Or the person for drinking and driving and hitting a group of people.
It's the driver's fault.
You really don't think this is just a housing bubble do you? If that was the case it would have popped a couple of years ago and we would have had a moderate recession. What the banks and insurance companies did with these toxic loans is what has led us to the doors of another great depression. And of course the government had a role in stopping the banks from making these stupid moves, and they dropped the ball on that. In addition it was these banks that offered the loans to the homeowners, so I really don't see why we should blame them. If a financial "expert" is telling you that you will be able to afford a house, why wouldn't you believe them? Regardless it is obvious the blame lies with all three parties involved.
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