Your idealism is touching. Elected leaders of any party do not follow the will of the people. Electing still more newbies will change nothing. You disagree? More idealism, nice. But it clashes with reality. I have already done as much as I am going to do. I paid off all my personal and corporate debt. I eliminated waste at the local community level and have taught others about responsible money management. My family knows to pay cash for everything or wait until they can do so. My kids own homes they paid cash for. No financing and they worked until they could do it. They didn't borrow against tomorrow. I am happy with my preparations for this mess. We will be just fine. Those who relied on credit for their lifestyle are going to get royally screwed soon... by their own impatience.