Your article strikes at the heart of our current crisis, showing that it is not just a simple mortgage issue, but indeed goes much deeper by questioning our love affair with the myth of free trade. I think we need to ditch our global trade mentality. I would also like to suggest that our financial problems have an even more fundamental flaw: Our deliberately formed body of corporate law, purposely limits individual liability. Therefore, by denying the basic principle of individual responsibility, legislators have purposely created the monolithic financial/business structures which we falsely accept as inevitable today. This has had financial, as well as social and environmental ramifications. What we need is a fundamental re-institution of full individual liability to law. This would inevitably lead to a more stable, distributed, networked, and local system of finance and business, due to the inherent restraining nature of Divinely instituted risk.