You need enough not-so-savy financial people to keep the economy going and pay you when they screw up. It's a balancing act between you and every other american. The way I look at it is like the law of energy, neither created nor destroyed, just converted to one form or another.
Likewise, some americans spend more than earn. Some earn more then spend. Just make sure you're one of those people thats taking in more from others than you are giving to others, and you'll be fine.
BTW: I think I was asleep in my chemistry/therodynamics classes.
