Let's please cut the crap (and leave our game theories, for a moment,where they belong, on the parlor table), we are helping to promote murder and mayhem globally.
The actual cause is a sociopathic lack of moral and social responsibility by the banking industry and their corporate lackeys combined with the gullibility of the electorates. The public bought into the illusions and formulas invented by these sociopaths in order to instill fear in the masses so they could sell us the lie that government = corporation and should be managed the same so that they could control the only threat to the successful commission of their crimes.
Or as one freshly minted MBA/Attorney (minted by a corporate controlled college or university financed by the US or a State government) told me one day, "It's our job to steal, it's your job to catch and stop us." So they simply nullified, removed the power of the regulators.
Are you proud to be an American? I am, but I barfed my guts out when I found out that we just annihilated a sovereign nation that had a strong economy, free education, free health care and seed money for every citizen/graduate instead of debt slavery to get them started in their lives.
It is time we stop removing accountability.