This kind of personal moral or accounting perspective to loan bubbles is not helpful. Whataboutism in general is disgusting way to argue.
When there is massive bubble that poses systemic risks, it can't be solved by just keeping people accountable because it's systemic. Those who did not take unnecessary loans or had no loans at all can lose big.
When there is massive bubble that poses systemic risks, it can't be solved by just keeping people accountable because it's systemic. Those who did not take unnecessary loans or had no loans at all can lose big.