Most of our problems we face today , and I mean the global world ....are due to greedy lending institutions giving out risky financial products {loans}{read:YOUR MONEY} to deadbeats and the rest of the fallout story is now permanent history -
These banks have got too big ,and too powerful , there is no checks and balances to this day to keep these people in line , they are judge and jury all in one - some of these institutions are prime candidates of antitrust lawsuits and need to be busted up to keep the industry competitive