What are the similarities of all the financial crisis?

People who were corrupt caused it and no one was smart enough to set up a get out plan. In addition, all of the countries, minus a few, acted like a teenage girl with a credit card, out with her friends, trying to show off, and then the bill came to the house and reality set in for them. In addition, countries lacked regulation and common sense(5% returns for 25 years straight seems a bit fishy).What are the similarities of all the financial crisis?That by the end of the month your still broke