Jack Cashill makes an interesting case at the American Thinker today that the mortgage crisis and much of the faltering economy can be traced back to the breakdown of the family.  Minority families broke down (or really, never formed) at rates much greater than white families.  Since more minorities came from broken homes and thus had lower incomes, fewer minorities than whites could qualify for home loans.  This seems rather obvious, except the Clinton administration charged that the real reason for the disparity was, you guessed it, racism.  Hence, pressure was put on banks to make loans that no responsible lender should make.  Now we are all paying for false charges of racism when a lack of personal responsibility was really the culprit.  It’s always easier for  politicians to shout that their constituents are victims rather than irresponsible.