My favorite stock is in trouble. My favorite bank is in trouble. My favorite broker is in trouble. In the past several months, things have just gotten messier and more de-moralizing when it comes to investing in anything and everything. How did we get here? How do we get out of here? The ethical mandate for Wall Street, K Street, and Main Street is clear: straighten up and fly right or have the federal government take over capitalism and re-define American commerce forever. In the past several months it has been amazing to hear Alan Greenspan, Barney Frank, the boys of Fannie Mae ( FNM) & Freddie Mac ( FRE), together with Goldman Sachs ( GS) and others on the hill in front wiggle and whine. In the midst of all of this the revelation is that while no one accepts blame, culpability abounds in our current economic malaise. We are all so very guilty of not asking more questions as the sand castle of the housing and mortgage boom was being constructed of good intentions, soaring profits, and seemingly unstoppable momentum. Shame on us for not demanding higher standards from elected oversight representatives and not holding them accountable to impeachment due to their actions or lack thereof. Shame on those Ivy League business and financial masterminds who crafted the spurious schemes of scandal. Shame on the governing boards for compensating profits without principles and being complicit or complacent in their fiduciary charter. Shame on the accounting and legal professionals who compromised their oaths in pursuit of circumventing the spirit of rules and laws only to become handmaidens in the parsing of words and interpretations of finessing their clients into the depths of deceit. Shame on the deadbeats who knew they weren't worthy of the unearned dollars thrown their way by misguided housing mortgage policies, profiteering predatory lenders, and those who thought guaranteed home ownership was a good thing. Politicians beg us for our support prior to Election Day. On Election Day plus one, they change from public servants into public masters. Such was the case with decisions for bailout under Bush, bailout the sequel under Obama, and czar appointments ad nauseam stepping into governance affairs of banks, manufacturers, and others. And now we have Fannie Healthcare.