American citizens are responsible in so far as letting the money lenders install a privately owned / controlled central bank.
It is the money lenders that have carefully planned the current mess. It seems pretty predictable what their plan is, crash the housing market, then destroy the currency, and blame china for the latter.
I worked this summer at a residential mortgage securitization desk at an investment bank. It's in everyone's best interest in the financial system behind mortgages to make sure that there isn't a crash in the housing market or a huge spike in defaults, so I'd doubt that there's some huge conspiracy among money-lenders to crash the housing market. Here's how the process of lining up capital for a mortgage loan works:
1.) A mortgage originator makes a set of loans to individuals who want to buy houses.
2.) The mortgage originator then calls up several investment banks and asks them if they want to buy these mortgages. The investment banks place bids on them, based on information like the mortgagee's FICO score, the area the home was purchased in, the down payment, and other risks. Finally, the mortgage gets sold to the highest bidder.
3.) The investment bank then breaks the mortgage up into standardized bonds that pay a regular interest and/or principal payment based on cash flows from a set of mortgages. The investment bank often creates several different kinds of bonds out of the mortgage that allow investors to better manage issues like prepayment risk or default risk. They'll then also have S&P or Moody's give these bonds a rating (like AAA or AA- the same kinda ratings that corporate debt gets) and then sell them to wealthy investors and fund managers.
4.) The mortgage originator has the right to manage the collection of this money. Often, this management will get transferred, however.
So I'm trying to figure out who in this whole system would benefit from a currency collapse or massive spate of defaults:
1.) The wealthy investors and mutual fund managers would see their mortgage-backed bonds get defaulted upon. The investors stand the most to lose, and the fund managers might be liable to be fired. This is obviously a losing situation for them, too.
2.) An investment bank would lose a great deal of its reputation and a lot of its clients if a large number of its mortgage backed bonds were defaulted upon. People would stop doing business with their mortgage desk, at the very least. So at the very least, an investment bank might not care if the whole housing market sinks, but it would care if its clients lost more than other investment banks.
3.) In the same way, mortgage originators would also lose a lot of their reputation if their mortgages, in particular, went down in value. Traders would see them as selling lower-quality mortgages, and it would be harder for them to sell these mortgages.
This will achieve multiple objectives, transfer massive amounts of wealth to these hidden elites, and get the people of america fired up for a major war in central asia against russia/china.
I just don't see the vested interest in this. First off, all the "evil rich people" (Before anyone looks at me, I got paid like a typical college grad working anywhere would get paid for 12 weeks of work) are extremely specialized. Many of them make money by taking it from other rich people. Most of the ones that do make money off the middle class make more money when the middle class does well than when it does badly. When the middle class is thriving, buying new houses, getting mortgages on them and paying them off easily, the mortgage originators, investment banks, and bondholders love it.
I think the problem in this country is that everyone is more interested in short-term greed than long-term greed. Why take good care of a client and make $10K/year from him forever when you can screw him and make a quick $50K? Why save up to make a 20% down payment for that new house if you can get an interest-only mortgage today? Why save up when you can borrow now and pay later? Why raise taxes 5% now when we can make our kids raise them 15% in fifteen years to pay off our debt.