Well yes, because I would say 99% was government, and the main "fault" of the banks as it were, was trusting government.
Government was suing banks to make bad loans.
Government was pushing banks to make bad loans.
Government incentivized banks to make bad loans.
Government even required banks to make bad loans in order to get merger approvals.
Government even guaranteed sub-prime loans.
And the problem is, with all this concerted effort to push banks to make bad loans, then you want to point at the banks and say they should not have done that. Well.... while technically true, that is entirely unfair.
Without government intervention, the sub-prime crash would never have happened. Because prior to 1997, the government didn't make any direct overt moves to push sub-prime loans, and before 1997, they were a niche market.
Prior to 1997, sub-prime loans were tiny, and the market was flat. There was no real significant growth, until the government got involved in 1997.