I am worried most about how our system pushes efficiency to the detriment of resiliency. Businesses use just in time inventory to increase efficiency, but that

I am worried most about how our system pushes efficiency to the detriment of resiliency. Businesses use just in time inventory to increase efficiency, but that means a small disruption anywhere in the supply chain can grind everything to a halt. Also, instead of maintaining cash savings, businesses will rely on cheap credit. However, if enough businesses do that, any type of credit crunch results in widespread economic disaster. Often business efficiency is a way to privatize the gains from efficiency, but but have the public bear the losses from lack of resilience. Just like banks are required to keep a reserve (which is inefficient in some sense), I think some type of regulation or increasing the personal moral hazard for business leaders is required to make sure businesses don’t sacrifice resiliency for too much efficiency (and the profits of efficiency).