Your post is true and many on here I agree with, though I did not vote for Obama, he is surrounding himself with skilled people so only time will tell if he was a good choice or just another political move for the growing majority minority population feeling they finally have got their day in America after 40+ years of MLK rederick....
Now, truth is, if we educated every child in our education system as to reality and factual life-needing skills and as to how banking is the basis of this nation and globally since 1933 and creation of Federal Reserve System here in America; we would NEVER have seen such massive abuses of personal credit and slow elimination of wealth from the majority of former middle class that always existed in America and which everything as far as comemrce was based upon and against... Now it is all hitting the fan and self destructing, and bankers today still, talk & act like hypocrites and this is the problem that bothers me after all the $$ Billions we gave them free as they were at the basis of this last decade's massive real estate ponzi scheme to get more wealth from the majority of citizens with tricky loan programs and thousands of various brokers all tied to the idustry until this massive bubble imploded as it is before our eyes... Still the problem is we do not educate our children about budgetting, credit usage, banking structures and such that are part of our lives including credit scoring agencies and how and why they do what they do; as we essentially push people into adulthood and market everything under the sun to them and so many supposedly educated people really do not know all they ought to before they get out into the real world...