Critical thinking isn't a recent trend. With some critical thinking one can both blame the banks for misbehaving, but also see the irony in a rating agency's e

Critical thinking isn't a recent trend. With some critical thinking one can both blame the banks for misbehaving, but also see the irony in a rating agency's early warning of an impending downgrade being a partial catalyst in something a lot worse than a simple downgrade. An overly simplistic world view means dealing in absolutes that are generally not compatible with the concept of fractional banking (or really any complex system).