Without serious reform we will repeat the cycle of bubble, boom, and bust until the economy is shaken apart into civil disorder and re-emerges in proto-fascism.
"Then the kings of the earth, the nobles, and the military commanders, the rich and the powerful, and all the rest who served them hid in caves and sheltered among the rocks of the mountains. And they implored the mountains and the rocks, 'Fall on us and hide us from the face of the one who sits on the throne, and from the wrath of the Lamb. For the great day of his wrath has come, and who then will be able to stand?”
Revelation 6:15-17