What caused the financial crisis, according to an online educational primer from textbook publisher McGraw-Hill? "Good Intentions"–i.e., the government encouraging banks to make loans to low-income homebuyers.
What did not cause the financial crisis, according to McGraw-Hill? Bogus estimates of credit risk issued by ratings agencies like Standard & Poor's–owned by McGraw-Hill.
See Extra!: "Scapegoating Minorities for Failure of Banking" (1/09) by Mary Kane.