Is it really such a big deal if wamu, lehman, meril, national city become insolvent and go away? I don't think so. The economy is hardly affected by these bank failures. In a free market capitalistic system new bank will come along with better management to replace the distressed ones. The most important banks (bank ofAmerica and Wells Fargo) are doing fine. it seems none of the important financial institutions are affected by this non-crisis.