How did the America get into this bailout problem to start with?

because you are all greedy for spending all that money you didn't have and making eveything expensive!!! you are the reason for this!!!!!! Yes, all the greedy irresponsible people like mortgage banks, credit rating agencies, congressmen, Clinton back in the 90s felt everyone should own a home whether they could afford it or not, freddie+fannie mae, Alan Greenspan making interest rates ridiculously low and then leaving the job when he saw what was going to happen, the actual homeowners who could never afford a house to begin with. Homeowners who felt their house should keep going up and greedly took out more loans to put big additions on their house so they could make more money and now are complaining their house is worth less than the money they kept putting into it even though houses were ridiculously over-priced when they were doing it.