I can't say I took the time to read all of the articles. I will say that the few I did read stop short of explaining root causes. Here's what I've been passing around http://mises.org/story/3128
The last two articles have an Austrian take on the root causes. I'd be curious what you think of the last one, I think it's the best overall explanation.
The last one is very interesting.....not entirely correct I don't think, but one of the rare articles where someone actually tried to figure out the nature of the things that are going on. Haven't read the other syet. But I will say this, read the newspaper or watch the TV news, and what they generally say is the right thing to do on there will be the exact wrong thing to do. Which is what we will end up with I'm sure.
Add this one from the New York Fed: "Understanding the Securitization of Subprime Mortgage Credit"