If economics is a science, it is one trying to operate with so many variables it becomes useless. One of which is the incompetance of banks.
Anyway, it is not a science. It is armchair thinking, and much more political ideology than logic or knowledge.
In fact, nothing but a lot more control of this wild capitalism will save another crisis, and another.The problem with economic theories as I see them is that they rely on the actions of people, which is a very difficult thing to model. And in the modern world, with almost instantaneous communications and global markets, the problems are multiplied exponentially. When you add in government interference, the results become completely unpredictable. The models might work, on a small scale, but be completely useless once government regulations alter the playing field.
The news on our tv was that if Obama and senate/rep had not made this temporary compromise, US would have had to stop paying its officials and vital functions within a very short time.