The answer to your question Bille is NEVER. The government makes a mess out of everything they touch except what they are best at and that’s the military. There’s too much government intervention and regulation and that’s precisely why we are in the mess.

Whatever happened to personal responsibility and individual freedom? Some of the people that lost everything they had with Madoff comes to mind. Would I ever put all my financial eggs in one basket aka Madoff? NEVER. Who in their right mind would? Apparently some did, just like people are putting their trust in government now.

Here’s your answer to all of this. You can analyze, hypothesize, split hairs, dissect and discuss the details until Hell freezes over.

Our Constitution is being shredded to bits by the very people sworn to protect it. There’s a few simple things that made our Country so great in less than 300 years. Something we have that no others have. The Constitution, Bill of Rights and the Declaration of Independence.

The government has so far overstepped the bounds purposely put in place to protect us, the founders must be turning over in their graves.

Until we return to these documents and put the government in check and rain them back in to their limited powers it’s only going to get worse and worse and worse and no amount or regulation, deregulation, programs, hearings, investigations, spending or taxing is going to fix it.

What’s the solution? Spend a couple weeks and re-study our Constitution, Bill of Rights and the Declaration of Independence. Even more importantly, spend some time reading the Federalist Papers written by the folks who created our country. The answers are all there. They knew it even back then.

And don’t say well, things are different now and much more complicated. To a degree that is true but the fundamental principles that created this country still hold true today and work.

Ronald Reagan said “Government programs are the closest thing to eternal life we have here on earth.”

It’s called tyranny. Once it’s started there almost no going back and trust me, it's started.