You can't just blame Wall Street for everything. I never suggested consumers were more responsible I just said that heaping 100% of the blame on Wall Street is ridiculous. Yes consumer debt was on the rise before the financial crisis: http://www.csa.com/discoveryguides/debt/review.pdf

You say Banks, which part of the Banks? You can't lump the whole Banking system into one group and blame it all. Also the top 1% encompasses much more than these 'greed fuelled' bankers on Wall Street.