I'd say the problem is the young people who only want to get rich fast, and have a means for that. And the middle-persons, who connect those who have the money and those who need them (banks).
If I had to give a definite answer, I'd say the problem is the lack of education (esp. financial) among the *old* people, not young. But sure this isn't constructive for obvious reasons…
So, again, I don't really know what is the proper solution to this problem. Besides e.g. violence.