The 2008 financial crisis was not caused by poor people owning homes. It was not caused by poor people being unable to pay their mortgages. It was not even caused by "predatory lending".

The 2008 crisis was due to billionaires who decided to gamble on YOUR mortgages, without you even knowing it, behind the scenes. They essentially took bets on whether you would default and this became a massive unregulated derivatives market.