I've found that people leaving old line companies, even with a severance package, were more bitter than those where companies treated employees like interchangeable parts.
Operating a business on Main Street is a lot different than lecturing at the Harvard Economic Club. The team Obama surrounded himself with has spent way more time in a faculty lounge than in the corner barber shop.
We have a financial system that has played to people's weaknesses. We have allowed people who are prone to instant gratification to have as much credit as they could get their hands on.