Americans are worse than broke, they are discouraged. The bailout sent a clear message that no matter how hard you work, the government can plunge you into deeper debt with the stroke of the pen or the vote of a congress inextricably linked with Wall Street itself. Black Tuesday may have plunged the United States into the Great Depression but it was a sense of hopelessness; the feeling that nothing one could personally do would improve things that kept us in that depression until WW2. The American Dream is a nightmare. Worse, for most Americans it turned out to be a cruel lie. A mortgage is just another form of rent; your home can still be taken from you with the flick of a banker's wrist or eminent domain.