our financial crisis

Here we are in A financial crisis again and everybody is trying to put the blame on someone else,And of course in poitics the other party.I dont think any one person or party is to blame . I notice this thing goes in A kind of cycle. When everything is going good and the country is prosperous people tend to forget that what goess up usualy comes down. They are riding high and start spending money they do not have. Busines people are making money so we raise the minimum wages. now the goods we are making are costing so much that we cant compete with the goods imported from other countries where people are working for A fraction of our minimum wage.,So busineses are shutting down and people are loosing jobs. The housing busines is booming so developers are building houses as fast as they can. All of A sudden the people that lost their jobs can no longer buy houses or pay for the ones they have .So we have A housing surplus, The construction busines shuts down and more people lose their jobs.So now we are in A recession ,The people that have money decide they better not spend it. Now the financial istitutions that loaned money on all these high priced houses are not being paid ,Now we have A financial crisis,Now the government (that is we the pewople) are spennding A lot of money we do not have to bail out the financial istitutions. So now who is going to bail out the government (thats us) I am still looking for the answer MY opinion by John Zilverberg