What is the moral root of the financial crisis (answer with ethical knowledge)

Why do you keep saying "immoral financial risks"? Since morality is involved, it is bound to be inseparable from issues related to human nature. Human nature is greedy and selfish. While promoting the circulation of social capital, finance also brings huge benefits to investors, but it is an obvious fact that almost any huge benefits are accompanied by huge risks. This is true for investments that meet the requirements, not to mention the risks that may be brought by loopholes in the industry. In the eyes of insatiable speculators and speculators who get something for nothing, every tiny loophole may bring huge benefits. They see it in their eyes and keep it in their hearts, and they can't sleep at night! When morality cannot restrain human nature, there will always be people who can't help it and want to try. The Asian financial turmoil of the last century is a typical example. When the wealth of a group of people gathers together and is large enough to compete with an emerging market, the defects of the market itself give speculators who deliberately make trouble an opportunity. Its essential purpose is to make huge profits, and its essence is profit-seeking. The result is a financial storm that has devastated the country and the people!