I have a banking background, and the articles greatest argument is that 2015 is too far away. Although I agree it's far away, banks rely on so much leverage tha

I have a banking background, and the articles greatest argument is that 2015 is too far away. Although I agree it's far away, banks rely on so much leverage that unwinding assets can take some time. Mainly mortgage and other long-term loans make 2015 relatively short notice. Mildly off topic, but still looming large is the bonus system within banking. I know that across the board bonuses are centered around short-term goals. From the CEO all the way down to the lowest teller, the majority of employee and management incentives have to be aligned with the long-term viability of the company. Until this is fixed, the financial sector will continue the boom and bust cycle.