Who is to blame for the financial crisis in the US (pls see details)?

As a Christian Man, I would say we have replaced God in exchange for Idols (Houses, Cars, Cloths). We have increased our possessions, while reducing our value. Most people don't know that the most talked about subject in the New Testament is Money. It is actually a sin to go in to debt for foolish reasons and immediate gratification. The underlying reason in my humble opinion is we have turned away from God.