The worldwide financial turmoil goes into its second year by now (November 2008). People, economists, policy makers and laymen (like me) alike, seem to agree it was caused by: 1) Easy money (Greenspan's fault?) 2) Corporate greed --esepecially in the Wall Street: excesses in mortgages and CDSs 3) Lax oversight. In a word, it was not a systemic problem but a human error. Today, I came across a s..