Does freight really slow down?

I was in banking for years before leaving the office world for the open road. While the deregulation is true...another laaaaarge peice of that puzzle that many don't put together is Clinton's hand in it all. His administration made legislation the required banks to lend to "X" amount of minorities and to lower loan to value and down payment requirements to get these loans done. So couple that with Bush allowing these loans, which were not yet in dafault by the way, to be put into security packages and when they started to faulted took the market with them. That's the whole picture. Not just Bush's fault. Ole Willy forced the banks into creating these loans to begin with.

 

Isnt that the purpose of it for those who drive the economy?