Its not nearly the same , lol all u want lol

changes to subprime mortgage rate issuing and VERY slight changes to security bonds havent done anything to change the risk level of the overall market.

ironically the best bulwark against another crash is private sector buying a massive % of the houses. vanguard isnt gonna miss payments. but structurally in banks and the govt regulations nowhere near enough has changed.

and those firms dont own a significant % of credit card, auto, or student loan debt.