Time's list of 25 People to Blame for Credit Crisis

Only 25? McCain's friend Phil Gramm is not surprisingly at the top of the votes though Bill Clinton makes the cut. What it not easy to understand is the continuing acceptance of the old model even today. Sure this group is now on the outside looking in, but why does Washington continue to believe we only need small changes to this failed and corrupt system? We're well beyond that point and need more than a suggestion of change. We need real change. As Michael Hirsh writes, tear them down.