Clearly, the above advice is most effective after you make sure that there are no mistakes on your credit report.

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No big trading losses, no major mistakes for which the bank had to make amends on the heels of the year of the London Whale.

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But it is to say that rather than try to do the impossible, whereby we try to abolish reality through regulations that won't work, we should make plain that going forward "buyer beware" is real, that no mistakes will be cushioned by politicians, and that just as investors are free to succeed, they're also free to fail.

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Meanwhile, he said, news and comment were being deliberately conflated, Watergate-style conspiracies dominate to the point that the media will not accept politicians make mistakes rather than act venally and, as a result of all this, there is no balance in reporting.

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