Below are links to Yaron Brook's explanation of how the US housing bubble and financial crisis happened. Yaron Brook has an MBA, a Ph.D. in Finance, and was a professor of finance at a university.
Here is a short video on what caused the crisis: Did Capitalism Cause the Financial Crisis?
Here is a course that goes through the details of what happened and why. The video is in the center column of the page, at the top of the "Video & Audio" section: The Financial Crisis: What Happened and Why
Ayn Rand's essay: What is Capitalism? (YouTube audio)
Capitalism at The Ayn Rand Lexicon.
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