Sub Prime Mortgages : Proof you can't ignore good banking practices!

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Is the title of the article I'm going to link to really surprising? "Study Finds Disparities in Mortgages by Race.? Yes, by ignoring standard banking practice for making good loans, the banking industry has managed to cause both a financial crises and exploit minorities. Both at the same time! It's a two'fer! Consider this quote from the article. "Stark racial differences between the New York City neighborhoods where subprime mortgages — which can come with higher interest rates, fees and penalties — were common and those where they were rare." Consider also this one. "A kind of reverse redlining." Here's the link. http://www.nytimes.com/2007/10/15/nyregion/15subprime.html?_r=1&oref=slogin After reading the article, I'm of the opinion that financial institutions which victimize minorities then get in fiscal trouble as a result of their discriminatory and inferior business methods should be allowed to go broke. Their executives should lose their jobs. The taxpayers should not have to foot the bill bailing out these clever racist practitioners of usury. What's your opinion?