The basic dynamic is profound: the political and financial tyranny of Wall Street and the "too big to fail" banks is fueled by our own participation. "Reformers" both within the Central State and outside its halls of delirium-inducing power, keep hoping that some tweaking of policy or regulations will relax the grip of Wall Street and the big banks on the nation's throat. They are willfully blind to the obvious: that with enough money, any rule can be bent or evaded. Just look at the thousands of pages of tax codes which are supposed to impose "fair and equal" taxation on the citizenry. Yet the Power Elites pay less than half (around 18%) of what self-employed entrepreneurs pay (a basic rate of over 40%--15% self-employment tax and 25% Federal tax). For example, Hedge funders pay a mere 15% on their $100 million earnings because they bought a law in Congress which declares their earnings, regardless of source, as "long-term capital gains."...As for loading up on debt with the intent of defaulting as a political action against financial tyranny: it may well hasten the downfall of our financial overlords, but it may also expose the defaulter to various forms of harassment and the possibility that the impaired banking sector would transfer collection to a Police State or private proxy. Harassment of debtors is already at tyranny levels.