The first is that consumers (and companies) are encouraged to borrow, not save, thanks to the low level of interest rates and a belief that central banks and governments will always rescue them if things go wrong.

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"Obviously there's always some concern that something could go wrong, " said Chief Cathy Lanier of the Metropolitan Police Department.

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"Plans are always good until something happens and things go wrong, and then you learn, " Davis said.

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It should also be said that the regulated industries, for being closely tied to politicians, are the ones the taxpayers always have to bail out when things go wrong.

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If things go wrong, there's always another investment bank to move on to.

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