"I will agree that US politics in general is way too partisan, one only needs to go look at an interaction between users on the politics stream to see how that’s going. However it’s not because Republicans are too far right, it’s because Democrats are too far left."
Well the Democrats are still centre-left. But the Green Party are definitely too left wing for Bernie Sanders. But AOC is still a very left wing Democrat.
"I understand that compared to Australia and other western countries that Republicans would be considered far right over there, but the Republicans have kinda been crawling to the left a bit while the Democrats have just driven over the cliff."
I wouldn't compare the Republicans to the Liberal Party of Australia (a centre-right party), I'd more compare the Republicans to One Nation.
"Trump himself was a former Democrat and is basically the reason the Republicans have even liberalized to the extent that they have."
So you're saying the Republicans could have gone even further right? Well there are some Republicans like MTG who are much more to the right than Donald Trump.
"Compare that to the neocons under George W Bush who lied to us about Saddam Hussein having weapons of mass destruction to get us involved in the war in Iraq and us leaving a power vacuum there that led to the rise of the terrorist group ISIS, got the PATRIOT act signed that allowed for organizations like the FBI and NSA to spy on the American people, and his utter failure to prevent the Great Recession in 2008, and in return, we got some lower taxes. Yeah, not exactly a good trade off, which is why I will never support a single neocon for as long as I live."
According to investopia.com, most of the blame is on the lenders. The lenders were the ones who advanced loans to people with poor credit and a high risk of default. Why?
When the central banks flooded the markets with capital liquidity, it not only lowered interest rates, it also broadly depressed risk premiums as investors looked for riskier opportunities to bolster their investment returns. At the same time, lenders found themselves with ample capital to lend and, like investors, an increased willingness to undertake additional risk to increase their own investment returns.
https://www.investopedia.com/articles/07/subprime-blame.asp#toc-the-biggest-culprit-the-lenders