The key for a solution to the current crisis is to hold those in charge responsible for their decisions and actions. Congress is responsible for the irresponsible 700 Billion bailout and they pass on the blame to others. Until members of Congress are held personally responsible for their actions they will continue to make irresponsible decisions.
This same is true for the CEO's who "plundered Wall Street." This concept of giving immunity for irresponsible management of a business and the authority to name their own remuneration and bonuses even when their business has suffered a loss is insane. When leaders are not held responsible for their actions, they tend to act irresponsibly.
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