The subprime innovation was entirely the work of the investment banks; as of 2000, Fannie and Freddie owned or guaranteed almost no subprime mortgages. This innovation greatly increased the supply of credit for home mortgages and led to the extraordinary housing boom of the last decade, and also eventually to the crisis. As a result of these changes, the share of mortgage-backed securities sold by Fannie and Freddie fell to around 40% by 2005.

The federal government does not exist to manipulate us or people in other nations.

on the contray,  this is the exact of purpose of government.  government is a tool to be used by those who control it.