I agree, the blame goes all around. The buyers should be living within their means. The loan sharks shouldn't be pushing people into loans they know they can't afford, and the creditors should not have been buying those loans since they were too risky. All three of those people should be hurting.
IMO, McCain has a better than average chance. If Hillary keeps proposing assault weapon bans and Obama keeps putting his foot in his mouth over the race issues, McCain comes out looking pretty good. Remember that Obama has still not won a major state in his own primary and there was that little poll that showed how many democrats would vote for McCain over the other Democrat. IMO, McCain can win it if he doesn't screw up himself.