Did not know that. I looked up the stats after I read your post and 2023 filings were up around 15% over 2022. So, in a nutshell, the economy seems like it's not nearly as wonderful as we've been led to believe.
As to why the 2008 banking crisis occurred, it was a combination of several factors: 1) extremely relaxed underwriting by banks, 2) rating agencies looking the other way when classifying these NINJa (no income, no job) loans, 3) banks/brokerage firms bundling these loans into 'safe' investments, 4) SEC allowing derivatives (futures, CDOs, synthetic derivatives, etc.) to be traded, 5) regulators asleep or ignorant of the amount of leverage some firms were taking on and the potential ramifications if something went amiss.
"The Big Short" actually does a pretty good job of describing all the various components of runaway greed, stupidity and political posturing that led to a near total collapse of the world's banking system.