What utter claptrap.
Laying at the feet of Ayn Rand the consequences of both a handful of bad actors and people who've made victims of themselves after pursuing mortgages and credit without bothering themselves to as-much-as understand the responsibilities to which they were committing themselves is ludicrous.
Nobody cried at his mortgage closing when the check cleared. Demonizing banks for doing what banks were created to do is ludicrous and only further erodes whatever foundation prevents the rest of American society from collapse - by eliminating any burden whatsoever that so-called "rights" are predicated entirely upon responsibility.
To retard society to the potential of its least members is the most irrational act of all - and it's precisely what America has chosen to do. And to make sense of it all, so-called liberals and progressives decide for themselves what they want to believe and simply ignore what doesn't support their point of view.
Had the government not intervened to mitigate exposure it had no business undertaking in the first place, the economic "crisis" would have remained what caused it - a series of personal failures driven by ignorance, indifference and a false sense of entitlement.
Unfortunately, the response offered by politicians who are more eager to be re-elected than steward a nation chose to respond by absolving bad actors of their sins and transferring the consequences upon the shoulders of those who had nothing to do with it.
Worst of all, by preventing people from having to experience the full measure of responsibility for themselves (many of which would simply have to learn to "ask" for help rather than "expect" it), it's also eliminated ANY imperative and motivation for the only kind of change that would prevent the problem from recurring.