Mortgage Crisis for Dummies

Is there a book out there entitled, "Mortgage Crisis for Dummies"? If so, I could really use it. Every time I have attempted to understand it, the result has just confused. However, as an Enlightened Layperson/Dummy, this is the best explanation I can find for it:

This is a story about four bankers named Everybody, Anybody, Somebody and Nobody. These bankers had loan applicants whose assets, income and credit had to be checked. Everybody was sure that Somebody would do it. Anybody could have done it, but Nobody did it. Somebody got angry about that, because it was Everybody's job. Everybody thought that Anybody would do it, but Nobody realised that Everybody wouldn't do it. It ended up that Everybody blamed Somebody while Nobody did what Anybody could have done.