KEEP IT SIMPLE STUPID! I have been a systems analyist for 25 years, and that has been my mantra for setting up systems that work. Our economy has lost sight of this simple rule.

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Insurance: The money from the many is used to pay for the misfortune of the few. Instead run away greed said "Take the money and invest in things you don't understand. We keep the profits and pass the losses off on our customers.

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Banking: People deposit thier money in our bank. We take that money and lend it to credit worthy people. Instead the banks lent money to anyone with a warm body and sold it to the next greatest fool. At the same time they used the deposits as a down payment on investments that they didn't understand. The banks in essence became borrowers.

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We have been on a yellow brick road looking for a brain, a heart and some courage. We all know that we already posses those things, we just have to get back to basics.

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I think we all know now that bankers and exotic lenders can't be trusted, they must be regulated and held accountable. This is nothing new.