They all started playing with risky credit voluntarily, I don't see the equal rights based threats as inappropriate or the cause of the problem. They were also popularly supported across the aisle, just like every other measure the second someone screams discrimination. No way to blame a particular party when everyone agreed to pass the threats along.
Either way, teh risk was taken, not by teh government, but by the banks. Now they are burning for it. It's ok though, they will all fire their CEO's who will have to walk away with only 25-75 million bucks worth of severance pay. Poor guys will have to settle for the jacuzzi that only seats 10 instead of the ones tht seat 14.