The essay starts by analyzing the free-trade turning point of the Western capitalism in the ‘80s, followed today by a new evolving trend, due to the weighty financial crisis set off in the USA and spread all over the world. The paper focuses bankers’ and borrowers’ behaviours before the blast of the real estate bubble, weighing the causes concerning granting/raising of credit to buy a house, that’s to say some traditionally sound and reliable goods. Nevertheless, the irrational euphoria regarding the market trends drove the bankers to a self-deception whereas the borrowers were inclined to be deceived, as they considered a house as a real answer to their dreamprimary need
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