You know there is a formal theory about this sort of thing, used in the electrical power industry in discussions of blackouts. Basically it says that you will always have blackouts, and that by making the system "better" and "more blackout resistant," you inevitably make it so that when you finally do get a failure, the consequences are worse.

I wonder if that is what is going on now. We had financial turmoil in the 1800s leading to modern banking, then a failure of that system leading to larger turmoil in the 1930s, then a failure of that system leading to <something>, and then a really big disaster now. Maybe we should go back to full reserve banking and keeping gold and sliver coins under our mattresses...