"The collapse of the housing market and the contraction of credit go right to the core of our national identity, forcing us to readjust our expectations for what we can attain and what we deserve. And when we come to understand that we may never really be able to afford even a modest row house or that those of us who live more comfortably will never be comfortable enough to buy into the perfect school district or to add that cottage by the beach, then we cast our anxious glances around for someone to blame. Culprits aren't hard to find. We are, most of us, responsible, if only because we wanted so badly to believe."
- http://www.nytimes.com/2010/03/21/realestate/keymagazine/21trust-t.html?pagewanted=1&ref=realestate