The amount of money being poured into banks and corporations that are about to fold regardless. Hey Congress! Where's my 500 Billion Dollar Bailout?!?! If I can't buy things because you're hoarding all my money then the economy is going to tank regardless of what you do!

For those of you who are lost, here's a basic economics class for you. Money is injected into the cycle via the Federal Bank. The Federal Bank lends this money to commercial banks like Bank of America or your local hometown bank. Those banks then lend the money out to consumers like you and I as well as Corporations with which to finance our spending. A portion of this goes back into the banks as a part of paying back the loan and interest. In order to tighten the screws on the economy, the Federal bank raises interest rates. This causes the commercial banks to stop borrowing as nobody wants to pay those high rates. However to recoup those losses, the local banks raise interest rates which in turn brings the cycle of spending between consumers and corporations and businesses to a slowdown as everyone is hoarding money. This is a recession.

Now when the Federal banks feel the need to loosen the screws to stimulate the economy they lower interest rates which then causes the opposite of a recession to happen.

It's a very rickety balancing act.

In the case of what happened recently. Corporations and Banks have gotten money with which to keep themselves afloat. They were meant to loan this money out and were encouraged to spend so the money to get to the consumers who in turn would spend and keep the cycle going.

That did not happen.

Instead the banks hoarded the money refusing to inject fresh blood into the cycle and what little money left was being leeched out of it.

With no money being put into the cycle and all of it being taken out, of course an economic crisis was going to happen.

At the risk of losing their money, consumers would take out every penny they had saved. The banks, unable make those payments, would shut down and refuse to give out the money.

Corporations and Businesses, with no one to sell to, would fold eventually as there would be no demand for their supply.

Now if the Government had bailed out the consumers, here's what I predict would have happened: First all debt would have been paid. That's the root of the problem. With debt hanging over their heads, the consumers would have had no reason to spend. Next they would have started spending on necessities. Once those were taken care of, splurge spending would occur and then we would be back to business as usual.

At least that's what I'd do if I got a bailout. Heck I'd even just hand wads of cash out for free because I really would have had no need for it.

Come on banks! You don't need all that money and we're going broke out here! If the consumers can't consume then the economy is going to collapse regardless of how much you've hoarded!

Of course this brings me to my next point: Jobs.

What irks me is that for most jobs, you are required to have a certain number of years of experience in that field before you qualify for jobs. This kind of makes it hard to break into the business as you have have experience to GET experience. Am I the only who who this doesn't make sense to?

But more about Job loss. Without a way to earn money, the consumers can't spend. With no revenue, people are laid off.

With the economy in the toilet, job loss is skyrocketing. Even Government jobs are not as secure as they once were. Because of this it's a Sellers Market. This means they rack up the requirements to the point where you can't find a job.

You see how this vicious cycle repeats once a monkey wrench is thrown in the works?

This even isn't the President's fault.

I'm serious.

In Social Studies we learned that Congress is the body that creates and mandates policies. The President is the one who sees to it that those policies are enforced. If we want to point fingers somewhere, lets point them at Congress. THAT'S where the real problem is.