The best scenario is that the current situation forces us to buck up, get to work, be creative, pull ourselves up by our bootstraps and start innovating again. Necessity is the mother of invention. Instead of dreaming up ways to slice and dice mortgages and slice off fees and financial engineering more of our collective efforts will be directed at renewable, clean energy and other endeavors. We will finally get off our fat-lazy arses (no effense FLU) and start being creative and innovative as a country.