I came across this video and it probably gave the best unbiased explanation of the causes of the financial crisis apart from Robert's. The conspiracy is as clear as true and it is happening right at this moment. The US Congress is talking about a financial reform but the painful truth is you just can't rely on anything that has got to to do with politicians. It's up to you to educate yourself and not lose money to "scams" and "lies" of the govt.