Jared a worthy read, and I agree many solid bits of advice here. In a society we form a social contract of trust and that is where value is derived, I just wrote an article on FUD here and we align in many places. My only concern is that we have to ride this pony to the end, the disruption you are talking about may have worked before but now the greed in us has to pay the bill. We are all at fault, not just the kings IMHO.