Economy crisis or one's responsibilities?

I believe even if you are not a daily newspaper reader nor a financially trained expert, you might have heard, seen on TV news or overheard Kopitiam uncles and market aunties saying 'Hang Zeng Pai (Market bad!)' No, its not your typical vegetable market that prices of eggs goes up by $0.20 because all the chickens are taking MC due to bird flu. It's the credit crisis that send all the world's biggest banks, investment and credit firms tumbling down to pieces like the aftermath of Tsunami. Good thing the sperm banks are still left standing. Well, it's still the best investment bank to put all your 'eggs' into the next generation, isnt it? All these credit crisis arised believed not only due to slow economy but also more on one's greed to borrow more and more money than what they can afford on properties and housing...my grandma used to remind me when i was young 'Bite your food slowly! Don't eat so fast and swollow everything! WAIT YOU CHOKE YOU KNOW!'