What is/are the cause(s) of this economic peril?

If you think things are bad now, just read this. It can get a whole lot worse.


http://www.securagroup.com/news/archives/articles/2008/AB080827.pdf

http://seekingalpha.com/article/95129-fdic-insurance-fund-it-doesn-t-actually-exist

http://news.yahoo.com/s/ap/20080916/ap_on_bi_ge/bank_deposits_safety