Hi, Just after the start of the financial crisis, i wondered " Will the crisis change the habits ? ". Everyone was crying " Shame on the banks" " shame on the stock market " " shame on the traders " .... To be basic about my understanding of the financial things that brought us there, the banks gave money to people without being at least a minimum sure that people could give the money back, paying interests, and ... people were unable to pay back. Investors invested in that massively, encouraging the " system ", and brought them to bankrupcy. That's how i understood things. Here, the stock market isn't something many believe in, and it's almost easy to criticize it for many, even from my close friends or colleagues, always ready to ask for a tax of the exchanges, or point the finger on the fact 2000 people are being fired there so that the auctioneers can have their income. As i use to tell them, THEY are part of the system, THEY own stocks indirectly. As i told one of my colleagues weeks ago " When you go to the bank and get a life insurance, you ask for the maximum income possible, for the minimalist risk (most often), and the money you put in your " life insurance ", where and how is it invested ? Partly on the stock market, and mostly if you expect the highest income possible ". I want people to stop being hypocrits, and thinking that only " direct stock owners " play or are on the stock market. We nearly all own stocks undirectly. That doesn't mean i don't expect more control on the market. The first purpose of a bank is to lend money to people/companies, and to get more from the interest rate, and lend to someone else, and so on .... This MUST remain their first mission. Banks got money from the state to be saved, and when i heard yesterday " We're back on the same schemes " from a Wall Street Expert on TV, read Morgan Stanley giving amazing and obscene amounts of money to their traders (i guess you have to take a maximum risk to take a maximum bonus) ... i wonder " Does the market learn from its misinvestments ? " It's disappointing, i agree investors have to be paid for the risk taken, that's normal. Apart from that but on the financial thing, our president told on tv recently a fair share of a company's net income might be 1/3 for the company itself, 1/3 for the investors/auctioneers, 1/3 for the employees as bonuses. Honestly, i think it might be a fair and good idea, as a base rule. What do you think ? Are the " market " and its operators back on the same old rails, which will probably lead us to the same situation later ? What should we do ?