While I never mentioned regulation in tax cuts and incentives, too little regulation leads to financial chaos and too much regulation leads to financial stagnation.

And I agree with checks and balances (I never mentioned this either). But right now, few are checking and there is little balance.

Unfortunately, there is no one in Congress what has enough balls and brains to propose the correct solution. Mostly because it would not serve them as well as the current situation that keeps their pockets lined.