Jim Roger, the successful investor and author, puts it well; “Why are 300 million Americans having to pay for Citibank’s mistakes? The way the system is supposed to work [is this]: People fail. And then the competent people take over the assets from the failed people, and then you start again with a new stronger base. What we’re doing this time is. . .taking the assets from the competent people, giving them to the incompetent people, and saying, ‘ok, now you can compete with the competent people.’ So everybody’s weakened: The whole nation is weakened.