Fundamentally

Why more regulation may make matters worse

Two types of people are the Entrepreneur/Explorer and the Regulator/Safety Officer.

The entrepreneur doesn't talk to the Safety Officer (Sales prevention department) and the Safety Officer doesn't talk to the Explorer because there's risk involved.

In world markets there are the Regulators, but they need some framework of rules, so they will always lag behind the Explorers.

This note considers the idea that yet more regulation will lead to an ever greater risk of financial melt-down in the future by driving these two parties even further apart

Download Why regulation will not work

An alternative look at economics

It may be argued that one of the reasons we are in the mess we are is because we live in a debt-based economy; we make money by trading money, not by adding value.

If the basic principles were to change to add value at the point of purchase not during manufacture, or a trade, we would have a more honest system where people would develop themselves.

One such model is discussed here: Download Birds in trees - the new economy