We use to have a federal government that worked along the lines of business ethics, when laws were set on how accountant practices and money could be lended out. Religious entities were the exception, and I do believe the government has failed in the who regulation of businesses, it's gotten so huge over the years that nobody could have imagined it would become this in the 1930s, before the government had a deficit and a bail out of banks, and car company problem. But as of right now it's the consumer that has always pillared the economy, and when people can't get or stay out of poverty, it will slowly draw the middle and upper class down into poverty.