@Paul Ferguson Well, Friedman, the great proponent of trickle-down economics, is full of shit, and wrong here again. People do not learn. That's why economic crashes repeat every 70 to 100 years. After three generations pass, people forget and fall into the same banker traps, over and over.
For wisdom, see Smith, Hume, Marx (but not his solution to the problem), and of course, Keynes: "Capitalism is the extraordinary belief that the nastiest of men, for the nastiest of reasons, will somehow work for the benefit of us all."