I think when you compare "often in" with 'but also in" most people would assume the first is far more prevalent than the second. Regulatory capture is often an issue, but dispute being blamed for the instability Freddy and Fanny lost far less money than other banks relative to their size. Which suggests that they where not major players in the most toxic assets. So, while I have no problem suggesting they in some small way contributed to the mess that just happened I take issue with people suggesting they are the major causes of the collapse.