re: I hated The Big Short - spoilers

Sure but with a complicated subject matter the easiest way to connect to the audience (where everybody is pissed off at anybody who made loads of money) is to show contrition.

(It's the emotional visual medium mea culpa, despite the fact they weren't the culprits).

It's standard Hollywood and I think they needed that in the movie, otherwise it would have had a weird ambiguous note that most would be confused with the point of the movie.