This video paints the current economic situation in very, very stark hues:
I'm not as pessimistic as the author of this video. So I don't accept the vision of the future. But it is helpful to consider this viewpoint to understand the worst-case threats that are out there. I agree that banks can be bad, but I don't think they have to be an unmitigated evil. I believe in reform and evolution, not apocalypse and doomsday thinking.