I agree. Maybe what journalists really mean is that they can't understand them after spending the five minutes they allocate to understanding every topic. The

I agree. Maybe what journalists really mean is that they can't understand them after spending the five minutes they allocate to understanding every topic. These instruments were created to shift risk to those most naive about the housing bubble collapse. Those who saw it coming knew there was great profit in getting others to take on that risk. Just pay them enough and they'll take it on. Congress can't acknowledge its own role in creating the bubble so they're trying to regulate how people took advantage of it. But its not the market's exploitation of our government's stupid actions that need to be fixed. They will always find a way. Our government needs to stop being stupid.