You must read Paul Krugman's opinion piece on how our whole scheme of investments is one large Ponzi scam, and that the warning signs have been there for awhile and ignored by the people we trust to detect such things. Nor has the Democratic Congress yet moved to close the loopholes to make certain investments safer for folks like you and me.
The first oversight report on the economic bailout came out a few days ago, basically saying that there has been no oversight. 350 billion has been spent in 3 months and there are no tangible results to show. There is no way of telling what the banks have done with the money given to them, no way to make them tell, and, as was discovered with Goldman Sachs, asking for bailout money with one hand while stashing it in Overseas banks that don't charge taxes with another. I wonder what they do with their tails? Time to get rid of Paulson, kick his overpaid butt out the door.