It was only 12 years ago when a sudden collapse of the housing market caused the fragile house of cards, a.k.a. the financial system, to implode in record time. Back in 2008, the general public was lead to believe that sub-prime mortgages were the culprit that shook the foundation of our entire financial system I am not here to argue about what exactly caused the 2008 financial crisis, other than to point out that only 3% of the total secondary…..