That would be the banking industry, which has it's own set of problems.
I haven't read the article in question (can't find the link), but this seems more or less exactly like the line taken against subprime borrowers: it's not the fault of the sellers for engaging in moral hazard and taking risks, but the buyers for...uhhhh...reasonshttps://twitter.com/SpencerHeckwolf/status/1349056480717189124 …
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The line is the same though. You're blaming the people responding to market incentives rather than the people establishing them. That's dishonest.
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