Below are links to Yaron Brook’s explanation of how the US housing bubble and financial crisis happened. Yaron Brook has an MBA, a Ph.D. in Finance, and was a professor of finance at a university.
Here is a short video on what caused the crisis:
Here is an audio course that goes through the details of what happened and why:
The Financial Crisis: What Happened and Why
Ayn Rand’s essay: What is Capitalism? (YouTube audio)
Capitalism at The Ayn Rand Lexicon.
Wealth is Created by Action Based on Rational Thought
Why Healthcare in the US is So Expensive, and What Can Be Done About It
Wealth is Not Money — Monetary Wages vs. Real Wages
How Business Executives and Investors Create Wealth and Earn Large Incomes