Why don't we just say the truth.

The bank's recklessness at protecting our investments has proven to be a national security problem. When ordinary people can't sock away enough for retirement or their kid's college education, bad things happen. Many of them move to the dark side to try to make up for the loss. In this age of small government, we have an incredible problem with corrupt community leaders who have learned how to profit from their positions in the community. Their greed and selfishness is destroying the rest of the American dream for the people they are supposed to represent. Trust in the private-public alliances are gone forever. And, when you have a lack of unity among Americans, we end up with the fragmentation problem that we're dealing with today.

THAT's the trickle down effect of having a deregulated banking industry.