PETER NYBERG has had his say. Now it’s your turn.

Without naming and shaming any individuals, the Finnish academic spread the blame for the banking crisis far and wide, holding banks, the financial regulator, politicians, the media, auditors, lawyers and even the greed of the public to account.

It’s undeniable that many factors contributed to the crisis. But if you were forced to choose just one, which would it be? Who do you think was MOST to blame for the banking crisis?

Poll Results:

Government (412)

Banks (396)

Regulators (246)

Nyberg's right: we're all equally to blame (226)

Public greed (94)

Developers (25)

International factors (12)

Media (8)

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