OBAMA FINANCIAL REGULATION PLAN MISSES TWO CRUCIAL ELEMENTS!

Two crucial elements are missing from the proposed "Financial Regulation Plan."

1) Separation of "Banking" and "Investment Banking."
The Bank is an institution of security. Investment Baking includes risk, the antithesis of security. The two are like apples and oranges and must be considered seperately. (Obviously an oversight)

2) Making it against the law to take risks without security for loss to anyone not a consenting party to the risk.
It is immoral and a violation of personal rights to allow anyone to gamble with other people's money for personal gain and/or without personal liability. Risk is undoubtedly a vital element for progress. Irresponsible risk is foolhardy. Irresponsible risk without full consent of the person(s) with liability under the risk is akin to theft.
Corporate Officials, without personal liability and in pursuit of personal bonuses who took irresponsible risks, are responsible for the crisis that requires this financial regulation reform. Any reform that does not address this action cannot be expected to prevent a similar crisis in the future.(This is obviously politics. Politicans are heavily in debt to CEO.s who give them corporate funds. To prevent CEO"s from the authority to arbitarily give corporate funds as they choose would take away the politicans receipt of these corporate funds from the CEO's