This isn't a government problem only. The majority of Americans are living on borrowed money. It doesn't take a genius to figure out that paying off debt with credit is idiotic. My sister had 7 credit cards and as soon as another one popped through the letterbox, magically a new pair of shoes would appear or at best one credit card would be paid off with another. Before she knew it she was $60 000 in debt. Lord knows how? Its the same principle on wall street. Make no mistake, everybody in the world is feeling this. You shat in your bed, now you have to lie in it, until the sun comes up and its going to feel like the longest night. The bailout is being presented as a cure, some believe all it will do is prolong the pain. Unfortunately nobody knows how long this will last. But last it most certainly will.