"Do not let someone making an “incentive” bonus manage a nuclear plant – or your financial risks." That's the fourth of Ten principles for a Black Swan-proof world. Worth a read, and concludes:

Then we will see an economic life closer to our biological environment: smaller companies, richer ecology, no leverage. A world in which entrepreneurs, not bankers, take the risks and companies are born and die every day without making the news.

The second principle resonates as well:

No socialisation of losses and privatisation of gains. Whatever may need to be bailed out should be nationalised; whatever does not need a bail-out should be free, small and risk-bearing. We have managed to combine the worst of capitalism and socialism. In France in the 1980s, the socialists took over the banks. In the US in the 2000s, the banks took over the government. This is surreal.

Agreed. Perhaps we are awkward, zitty teenagers about this government business and will mature into comely humans at some point, but at this time we are immature and seem to be regressing. Bush was bad, Obama is worse. Republicans were a tragedy, Democrats are a disaster.

We need divided government as a first necessary step to maturity, though that isn't sufficient.