The US should stop being saved from banking crises.

Let natural consequences happen. Then adjust based on what is learned from the outcomes-- no pain, no gain.

The society & economy should recognize the pain resulting from irresponsible action,

if only do drive the society & economy to punish those who were so greedily irresponsible.

Stop sheltering the population.

And especially stop sheltering the bankers.

Experiencing consequences is an important part of improvement-- without consequences there is no real impetus to change.