Regulators all meet with Goldman Sachs executives and employees day after day after day. They don't see the people who get tricked, the people who get cheated, the people who get fooled by the products that Goldman turns out.

People get numbed when they see picture after picture, year in and year out, of people starving.

Families rely on financial services more than ever, but those who need them most - who struggle to make ends meet - too often must contend with sky-high interest rates and tricks and traps buried in the fine print of their loan products.

You can put handcuffs on people who push the envelope. When they break the law, they deserve to have handcuffs.

Groupthink can become a serious issue - old ideas stay around after they're useful, and new ideas too often don't get a fair hearing.

I get heartfelt thanks from all kinds of people. Today I heard from a waitress in Georgia who has lost her job and is trying to figure out how her local bank can change the terms on her credit card, and I heard from a physicist at a major research university who wants to explain a better theory of financial stress tests.