由于贷方出售了许多贷款，但他们以抵押债券的形式向其他投资者出售了全部贷款，因此该行业也充满了道德危害。雅各布斯说，这是一项快速生意的业务。您可以出售产品并赚钱的任何业务而不必担心产品的性能都会吸引肮脏的人。
(Because the lenders sold many-though not all-of the loans they made to other investors, in the form of mortgage bonds, the industry was also fraught with moral hazard. It was a fast-buck business, says Jacobs. Any business where you can sell a product and make money without having to worry how the product performs is going to attract sleazy people.)