Here is are two interviews with William Black famous for helping to clean up the S&L financial mess and famous for his opinion that fraud was rampant in the 2008 financial crisis.
The optimist... In this video he comments on the S&P ratings agency with a comment "downgrading" US federal debt. I find Black to be more optimistic about the Republicans not committing economic suicide by refusing to raise the US debt ceiling. He thinks that is simply impossible, but I see it as somewhat possible but hopefully not very likely:
The pessimist... In this video he expresses his view that the big financial criminals are "untouchable" because of the money under the table from big financial institutions which have bought off the administration as well as Congress. This video deserves close viewing because he points out some real problems in the US and predicts its inevitable consequences.