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The document discusses several factors that are often blamed for the financial crisis but argues are not actually responsible. It argues that laissez-faire capitalism did not cause the crisis because the U.S. has not had a truly laissez-faire system since the New Deal. Deregulation also did not cause it, as the most significant deregulation occurred in 1999 under Clinton and banks that took advantage of deregulation fared better. Greed alone also did not cause it, as greed is a constant but the crisis was d

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