“Play it again, Sam!” - Repro of public domain cartoon sarcastically observing the Republican Wall Street Panic of 1903. American financial crisis, periodically crippling bank failures, is an embedded scam in the United States. Historically the Boom and Bust cycle is well known. It persists because of lack of regulation, enforcement and punishment. The criminal is joined to the businessman in a climate of expediency and greed. The Greed creates, informs and directs the bubbles that always collapse, producing yet another profit opportunity for the exploiters. America would not experience Boom and Bust if it had honest and adequate regulation and independent enforcement powers with teeth. Despite the old saw, business has repeatedly shown that it CANNOT “police itself.” Contrary to belief monopolistic corporations do NOT have the consumer’s best interest at heart.