Why can't America have some jobs? Lawmakers tell a story, which your Beltway media regurgitate, and it goes a little something like this: We can't have jobs until banks start lending money to support the productive side of the American economy. Why won't they start lending? Oh, you know... uncertainty! And it's caused by many things: the debt ceiling deal, the unknown future of the Bush-era tax cuts, the Affordable Care Act, the Dodd-Frank legislation. And all the onerous regulation the White House wants to add! You'd think the financial collapse occurred in some sort of loose regulatory environment, where Wall Street was permitted to police itself, or something!