I recently found this fascinating series of YouTube videos that explains how the lending systems work in this country. They are a little complicated and about 10 minutes per segment, but the things I learned were abssolutely intriguing. If you've been wondering how all the current lending situation could happen, these videos will make it clear.
I'm embedding the first segment here. To watch the following segments, click on the "You Tube" symbol to go to YouTube. The remaining parts will be featured on the right hand side of the screen. Enjoy!