I and others were mistaken early on in saying that the subprime crisis would be contained. The causal relationship between the housing problem and the broad financial system was very complex and difficult to predict.
If you're doing a family movie, you don't want it to be stupid. Farting chihuahuas is not my idea of entertainment for kids or adults. So you try to make a movie that adults can see on one level, and kids can see on another.