The subprime mortgage crisis was caused by hedge funds, banks, and insurance companies. The first two created mortgage-backed securities. The insurance companies covered them with credit default swaps. Demand for mortgages led to an asset bubble in housing.
The field of dielectrics is a branch of physics that covers how insulating materials separate different electrical charges in a capacitor. A capacitor is a device with two metal plates of opposite charges, with a dielectric insulating material in between the keeps the charges separate.
A capacitor consists of two conducting surfaces, frequently referred to as plates, separated by an insulating layer usually referred to as a dielectric. The original capacitor was the Leyden jar developed in the 18th century. It is the accumulation of electric charge on the plates that results in capacitance.