This just brings up a big problem in America. And, that is a lack of proper, useful education. You don't learn anything about real world finances/stock markets/insurance insolvency pools in school (unless its a higher level college course). Instead we waste 12 years going over when Columbus found America (1492, thanks for repeating that fact for 12 years in grade school, I didn't understand it the first 11 times), even though he really didn't. Sighs....