QUOTE : It’s correct to say that the financial meltdown of 2008 resulted from too much deregulation, too many arcane Wall Street innovations, and some fraud. But that’s just one way of explaining it, the one that comfortingly focuses all blame on government and a small class of the rich and powerful and deceitful. The deeper causes were more widespread and unconscious, the fantastical wishfulness affecting at least a large minority of Americans, maybe a majority.