Why Did No One See the Crash Coming?

The Big Short Explained Like You're Five (But With Actual Facts)
The 2008 financial crisis destroyed $16 trillion in wealth and cost nine million Americans their jobs—but it wasn't random chaos. It was systematic fraud built on credit default swaps, synthetic CDOs, and mortgage-backed securities that nobody understood. Until now.
In this video, we use The Big Short (the Adam McKay film starring Christian Bale, Steve Carell, Ryan Gosling, and Brad Pitt) to break down exactly what happened. You'll learn:

How mortgage bonds and collateralized debt obligations work
Why subprime lending to NINJA borrowers (No Income, No Job, No Assets) was legal
How credit rating agencies (Moody's, S&P, Fitch) gave AAA ratings to toxic loans
What credit default swaps are and how Michael Burry used them to make $2.6 billion
How investment banking leverage ratios amplified the crash
Why "too big to fail" banks got $700 billion in taxpayer bailouts
The role of moral hazard in financial markets

From Goldman Sachs to Bear Stearns to the housing bubble in Florida, we connect every piece. Whether you're studying finance, interested in economic law, want to understand debt and credit markets, or just curious how money actually works in the real estate and financial services sectors, this is your complete guide.
And here's the scary part: The same patterns are happening RIGHT NOW with crypto crashes, AI stock valuations, and venture capital bubbles. Different products, same psychology—herd behavior, moral hazard, and ignoring obvious warning signs.
TIMESTAMPS:
0:00 - The Hook: 2008 Crisis Overview
0:45 - Meet the Characters (Burry, Baum, Geller & Shipley)
3:00 - Mortgage Bonds Explained (Margot Robbie Scene)
3:30 - Subprime Loans & NINJA Mortgages
5:30 - CDOs & Credit Rating Agency Fraud (Anthony Bourdain Scene)
6:30 - Michael Burry's Discovery
8:00 - Mark Baum's Field Investigation
8:45 - Charlie & Jamie's Story
9:30 - Synthetic CDOs Explained (Selena Gomez Scene)
10:15 - Leverage & Too Big to Fail
11:00 - Outro: Lessons for Today
Key financial concepts simplified: Securities, derivatives, ISDA agreements, high-yield debt, liability management, corporate finance, and why you can't trust Wall Street to police itself.

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FAIR USE DISCLAIMER:

This video is created for educational purposes only. We use clips from "The Big Short" (2015) under Fair Use (Section 107 of the Copyright Act) for criticism, commentary, and education. All movie clips, images, and audio are property of their respective copyright holders (Paramount Pictures, Plan B Entertainment, Regency Enterprises). This video is transformative in nature, providing educational analysis and commentary on complex financial concepts. No copyright infringement intended. If you are the copyright holder and have concerns, please contact us directly before taking action.
All financial information and historical events discussed are factual and used for educational purposes to help viewers understand economics and financial markets.

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