This reminds me of the guy at work whose proposed solution to any problem is "well, this would never have happened if we'd done X." You know the guy. O Rly? We

This reminds me of the guy at work whose proposed solution to any problem is "well, this would never have happened if we'd done X." You know the guy. O Rly? Well okay, we'll just invent a time-machine, go back in time to when this stupid decision was made, convince those in charge not to make it, and then make some other stupid mistake. I think it's very valuable to analyze and to learn from mistakes, but in the middle of a crisis, you need to first get out of the crisis. The real problem is that financially speaking, most of the US is in crisis-mode all the time, without even realizing it. Most USians won't get rich (by US standards), but many more might be able to get out of the living month-to-month quagmire.