Only four?

Instapundit links a column about the ways Washington messed up the financial situation.
Like Cretdit Default Swaps.
The problems with CDSs and bank capital were not a surprise in 2008; there was ample warning that things were going awry. Senior government policymakers created policies that encouraged excessive risk taking by bankers and adhered to those policies over many years even as they learned about the ramifications of their policies.
There's four main ways the government opened the door for bad decision making.
Give us more time and we'll think of lots more.