I see you used the word 'when' instead of 'if'. Are you from the future? How do you know this?
This prediction may turn out to be true, but why should I believe your prediction over that of anyone else's? Do you have some insider knowledge or expertise that you can share?
Edit: Also, what do you give the odds of your prediction, by severity of outcome? I want to see how the odds you provide stack up against the economic and thus social consequences of under-regulation or over-regulation.