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All Comments by TinyTim »The Main Problem with the Office of Financial Stability Is Needing It in the First Place [View article]
This is about as concise a description of the problem as I've read:
"we have an unsound banking system based on fractional reserve lending, compounded by micromanagement of interest rates by the Fed, and runaway spending in Congress." Thank You.
Basically monetary and fiscal irresponsibility at the highest levels.
And you are correct, everyone is so worried how to band aid the problem to keep the economy from seizing up, no one is considering the root causes. If the economy did seize up, it would force the issue.