Also please explain to me how if government regulation is the answer, we still have problems. We also seem to hear that we need more of it. There's never enough. The FED was supposed to prevent financial panic yet it oversaw the greatest panic(s) our country and the world has ever seen. How much regulation is enough and when does the economic cost of regulation overcome the perceived benefit of it? And in light of all the issues that still arise, does it actually work?