No one single thing is the cause of the problem. A lot people need to look in the mirror. Economic problems are caused by a lot of people over time. From bad loans, to energy manipulation, to outsourcing, to creating unprofitable domestic conditions, to day trading, futures trading to government borrowing, spending, bribing, ect.....
a lot of people have their hand in the cookie jar, and they are going to have to feel some pain so as to not stick it in there again. But i'm not very opptomistic about it.