You do seem to be stupid and incompetent (your words,) but not because you don't agree with the GP. Rather, it is because of the ridiculous arguments you are making:
"But the recession was not the bank's fault â" rather it is that of the politicians, who forced banks (with the threat of "discrimination" lawsuits) to give money to unqualified borrowers."
First of all, the article you link says nothing to support your claims of forcing or discrimination or even lawsuits. The closest the article gets to supporting your claims is to state that "rules of spending" were "loosened" for the banks by the politicians. How can you not see at this point that the banks (and the other giant corporations) are the ones wagging the dog here? They bribe politicians through so-called lobbying in order to bring about the loosening and tightening of rules that suit their favor. That much is plain as day! And you can't argue that these particular loosened loan rules didn't favor the banks. Obviously the banks stood to benefit, which they did, greatly and at taxpayer expense.
Now, to your credit I will say that blame for the recession can't be laid fully on the banks: each of us is also at fault for failing to lynch (literally or metaphorically) the bigwig asshats (meaning bankers and politicians, I don't discriminate) who are continuously allowed to pull this shit and get away with it.
"Nope. It was not the banks doing the forging â" it was the applicants. Bank-employees may have looked the other way, but the actual forgery was done by the customers."
"May have looked the other way," as you put it, implies that bank employees were complicit in the forgery, which they were. So why use this statement argue that they weren't forging income numbers? They were further "loosening the rules" and they should have known better.
Did you know that it is a bank's responsibility to assess the creditworthiness of it's debtors? If they make a bad investment on a homeowner and the loan isn't repaid, that's money that they lose! As you pointed out, this is their bread and butter business. They knew what they were doing here, and they used the government's new generously low (bribe-induced) requirements to help themselves unload what they knew to be bad loans on Fannie Mae.
This is how the system works, folks! Isn't it wonderful? Truly, We The People need to step in and clean house if we want these shenanigans to cease. Arguing about whether it was a bank's fault or a government's fault is meaningless. From the perspective of common people, the banks are the government and the government is the banks. They both have a vested interest in working together to milk us like we are livestock, which they do.