Whether Carr or Shirky are right about what the Internet hath wrought--and they probably both are to some extent--both neglect the element of choice inall this.
Laws vary from state to state, but inall states, clinicians who suspect abuse or neglect are required by law to file a report with child welfare offices.
You also should have enough to cover life's inevitable, unanticipated expenses, like a leaky roof or dead furnace not just in your primary home but also inall of your investment properties (which likely suffered abuse and neglect on their way to becoming bargains).
But what they will take away from scandals like these is that banks cannot be trusted, and what lots of folks in the financial world neglect to understand is that without trust, their business (and all business) dies .
While these points are all important for your business to succeed, many leaders will often neglect these key factors (in particular their employees) by taking a more top-down, rather than bottom-up approach.