Who causes the meltdown?

The minds behind the meltdown is a topic of a book called - The Quants. That said, he blames computer scientists who created econometric models of markets. They are now known as Quantitative Analysts or Quants. Well, sorry but I feel that it was execs. Yeah, rich execs who want to OUTsource and DOWNsize. They closed down our factories and sent them overseas. They closed down offices in america. Sending the work to India over a wire.