Three years after the collapse of Countrywide Financial Corp. and Lehman Brothers Holdings Inc. ushered in the hardest recession since the Great Depression, throwing millions of Americans out of their jobs and homes, almost none of the wrongdoers has been held accountable or victims made whole.

It’s as if this calamity just fell from the sky, to be borne with the same bewildered resignation that our ancestors might have shown in the face of an earthquake, volcanic eruption or other catastrophic natural disaster.

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