The banking crisis of 2008 seems to have been the genesis for the whitepaper. Quite possibly could have come from the educational sector as the discussion of how this could have been averted or how to ensure security moving forward would have been a hot discussion in any major university. I know other students and I discussed it at length while I was doing my grad degree in 2009
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That is an interesting theory. First time I have heard of it actually. There are some questions that the government theory doesn't solve, but it does check off quite a few others.
This is kind of why theories are to discuss, haha. The facts just aren't there. Mysteries are fun, aren't they?