Cause and effect of the financial crisis

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The problems in the financial sector today are caused by very few people in the financial industry. These culprits are the ones that destroy the world we as we know it. I really feel for the people in the US who rely on their 401k to retire. These "bigwigs" are irresponsible and totally inconsiderate. They only think for themselves. They have no real talent or knowledge. They probably got to where they are just because they are at the right place at the right time. Instead of thanking God for blessing them with the positions, they abused their positions. They took risks with other people's money. Make more and more money based on this risks. Get connected to well connected people in politics and government. Once they are in trouble, they opt to take the golden parachute (many hundreds of million dollars) and leave to have their time in the sun. All the destructions they left behind is left for someone else to clean up. I really think the world government should clamp down on these hooligans.