Morning Extra - Who do you blame for financial mess we're in?

Mortgage lender Bradford & Bingley is to be nationalised, with the government taking control of the bank's £50bn mortgages and loans. It follows the announcement two weeks ago that HBOS is being bought by Lloyds TSB, and Nationwide's takeover of two of its smaller rivals. But is the current mess all the banks' fault, or are we to blame for overstretching ourselves with mortgages, credit cards and loans during the credit boom? Graham Stewart takes your calls, texts and emails.