Well I have my b.s in economics, I'm finishing up my MBA in international business, and I work with businesses and their models on a daily basis, so I've taken a tad more than the intro courses. How can you have a free market if the government constantly interferes with it? Companies need to fail, progress needs to be made, if those companies would have failed, it would have impacted the economy for sure, but other companies would have sprang up, and filled the void. When there are profits to be made you will always have new firms entering the market. If a void is left in the market, you better believe there are going to be firms who will improve upon the failed models. Being too cautious and afraid of the market is what ultimately ends up ruining it. Thankfully there are some of us in our 20s that don't think the government should be holding our hands for everything. Again, safety and public works, thats the governments job. Granted there are certain exceptions, but the more exceptions that are made the more problems occur.