The fault lies not with economics, but with economists. The problem is that economists (and those who listen to them) became over-confident in their preferred models of the moment: markets are efficient, financial innovation transfers risk to those best able to bear it, self-regulation works best, and government intervention is ineffective and harmful.
问题不是出在经济学本身，而是在经济学家身上，经济学家们（以及听从他们的人）过分相信自己所偏好的经济学模型，这包括：市场是有效的；谁能掌握金融的创新，谁就可以很好地化解风险；金融行业自律是最好的监管；政府的干预是无效率且有害的。