关于金融危机对高中生的启示的英语作文

写一篇以金融危机为主题的英语作文。
参考词汇:
金融危机:Financial Crisis
参考范文:
What Caused The Financial Crisis?
I think we can sum up(总结,概括) the cause of our current economic crisis in one word — GREED(贪婪).
Over the years, mortgage lenders were happy to lend money to people who couldn‘t afford their mortgages. But they did it anyway because there was nothing to lose. These lenders were able to charge higher interest rates and make more money on sub-prime loans. If the borrowers default,they simply seized the house and put it back on the market. On top of that, they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities. Easy money!and what went wrong with our financial system?
The whole thing was one big scheme. Everything was great when houses were selling like hot cakes and their values go up every month. Lenders made it easier to borrow money,and the higher demand drove up house values. Higher house values means