I never understood a charge that someone overvalued their asset to get a loan, that ended up being paid off.
Due diligence by the lender, free market, etc.
As for how all "this" came into being, "we" don't know scientifically of course, at least not in detail. Most humans have some belief in a Creator, which is a decent explanation, to me.
I was just in "Muslim Land" and had a nice conversation with a Muslim in a mosque in Doha. It seems like Judaism with some mods, to me. Oddly, there was nearly 2 billion Muslims and MANY fewer Jews, I read 20 million some place, globally, hardly a major religion but one with enormous influence. (I don't mean that pejoratively.)