Gen, I'm starting to think you don't completely trust the financial industry.
Excellent review of "Age of Greed" by Krugman & Robin Wells. Read this if you want to know why we will have another financial collapse in due time (probably a decade in the future is my guess- once we get out of this mess...)
Gen, the simple problem is that we are being robbed as a result of massive moral hazard stemming from government's efforts to "protect" us. Not to mention all of the pork passed off as "stimulus"