What caused this financial crisis, the subprime mortgage crisis some say. I beg to differ. How about greed? Yes some consumers got into mortgages knowingly that they would struggle to satisfy but I do believe like many consumers they went about obtaining their mortgage like they go about getting their taxes done. They know how to read but prefer to go with a certified public accountant to do their taxes. They find some safety net in the help of a professional. When applying for a mortgage, they deferred to the recommendation of a institution who told them that they qualified and can afford the loan. No more than today would a mortgage payment protection policy be necessary.