I'm with Ragoczy on this one. I'm no fan of Bush, but in this case I can't push the blame on him, at least not totally.
However, any executive, whether political or business, must surround himself with able administrators who are capable of handling their little piece of the action and who aren't afraid to walk in and tell the boss that something is wrong. Any leader who shoots the bearer of bad news soon winds up without any trustworthy messengers, and ends up on the trash heap, and he'll never see it coming.
There were, indeed, people who saw this coming. Some, far too few and generally not highly placed, tried crying wolf, only to be castigated for it. Some, those most highly placed, spent most of their time making sure that they wouldn't be the ones caught in the collapse. Their nest eggs are quite secure, you can count on it. And they're the ones we need to bring under the bright lights and demand an accounting from.
But that isn't likely to happen, either.