Look, I hate american politics. Politicians and media are so good at manipulating the people, that I don't see the United States pulling out of the economic black hole in time. So many americans are so passionate about parties and will blindly follow them based on a litmus test, usually religion, taxes, or regulations, but no one ever actually explains to them what the problem is. Here is what made the economy implode: This is how banks and trading firms and the stock market work. Banks and big trading companies lend money to companies to fuel their innovation and move them forward. In return, the companies stock goes up, so the banks make money. That's fine, THAT is capitalism. Here is the problem. The banks starting giving out more money than they actually had, which was fine for a while, because the companies that they were investing in were returning profit to them, so they could do that. This is called a "derivative." The problem lies here, the banks lend out as much money as they FORSEE them having in the future, the problem is that when the economy takes a tiny dip south (which is natural,) they've suddenly invested so much more money than they had, that they start loosing money, and stop trading. This cause a massive ripple effect that caused the economy to implode on those derivatives. It makes tiny natural dips into disastrous market crashes. The "job killing regulations" that the Republicans keep talking about are regulations that say banks can only invest as much as they actually have. It should be common sense, but the politicians have made it so petty and personal that 99% of Americans, don't even know that's what capitalism is. I'll bet maybe 1 out of 1000 americans actually know what the "regulations" that keep coming up in debates actually are, yet almost all of them have strong feelings one way or another. Before reading this rant, did you? Capitalism is spending money to make money, within the boundaries of the limits of money that you actually have. The type of "capitalism" that the USA has borders on psychics voodoo. You can't predict how much money you will have in the future, so you shouldn't be able to invest based on predictions. Regulations don't kill capitalism, they are essential for it. The Republicans are so obsessed with the idea that unregulated free market will fix everything that they don't even realize that it's what caused the problem. And the democrats are so worried about bailing out the "job creators" that they don't realize that telling these companies that they are worth more than they are is going to make it worse. A single constitutional amendment "No entity shall invest more than it is currently worth" will fix the entire economy long term, but the media convolutes the issue and covers it up with things like gay marriage and war that I don't see the USA digging it's way out and the economy will eventually completely collapse. Every capitalist superpower in history had suffered the same fate and for the same reason. It boggles my mind that no one picks up a history book anymore. The stock market crash wasn't cause by anything mysterious, it's very common sense. Don't spend more than you have, you won't be fucked when investments start going south. Why should banks be any different? /rant I want an honest answer, before reading my post: How many of you actually knew what the "regulations" they keep debating about are? How many of you knew what a "derivative" is? How many of you were vocal about your opinions on the matter without knowing? Go ahead, call me an ignorant socialist hippie. I'm probably the person here who understands the market the best, but Fox News and MSNBC have brainwashed you into serving a political party instead of common sense.