As we near the fifth anniversary of the 2008 financial crisis, we should now have the critical distance to distinguish the real causes from the stereotypical villains, namely, Wall Street greed and unfettered competition. The latter culprits are officially blamed in the 2010 Dodd-Frank Act putatively designed to prevent another crisis: it’s called the Wall Street Reform and Consumer Protection Act. The act is unequivocal: Wall Street caused the problem, consumers were harmed, and the federal government is here to help.