The next crisis this country will face is a credit card crisis.  Capital One just announced a charge of almost $2 billion for bad loans...I think this is just the beginning.  Look for more write-offs as consumers continue to build up credit card debt with no increases in  income and no home equity to cover  the payments.  These banks are much less willing to lower interest rates, which will make it harder for consumers to pay down balances.  Add to this tighter regulations the banks have to follow, a weak economy, and we will start to see the fallout of this country's dependency on credit.