Can I suggest as well as the corruption within the current financial system, that the VOLUME of credit needs analysis.Banking was widely deregulated in the 1980s.....so now govts, reserves banks, and commercial banks are colluding to prevent recession/depression by expanding credit beyond what is responsible.This is most easily understood by comparing the rates of growth of GDP and credit.If credit is growing faster than GDP, that's a serious red flag that credit is in oversupply and being fed into non-productive channels, such as residential housing!!!I cannot refrain from commenting while you read your post and comments.. :) @greenman