A somewhat depressing article by Concerned American that you need to read. It's his response to a Rolling Stone article entitled Why Isn't Wall Street in Jail? which is also worth reading, as long as you don't mind getting pissed off.
Arctic Patriot's initial reaction. Then he slept on it and wrote something a little more measured.
I'm not optimistic about this stuff at all. That's why we've been working so hard on getting out of debt (only a couple months left) and learning to live a simpler life for the past several years. I'd encourage you to do the same.