There are almost as many instant "experts" on the economy as there are about railroad operations. This financial crisis is so complicated that there are very few that really understand it all. The primary cause seems to be laws that Congress passed without considering what all the implications might be. One thing we do know, is that if nothing is done we will suffer an economic melt down like nothing we have seen since the 30's. If that happens, all the foamers will have to stay home and watch their videos and DVD's, because there won't be much else to see. The really scary thing is that the same people most responsible for our problems now want more "oversight" of potential solutions.