How to Live on 24 Hours a Day by Arnold Bennett

" exotic financial strategies and the instruments which empower them appear to inevitably blow up in spectacular fashion," he says. "As things increasingly centralize, these financial catastrophes just get worse." He adds that only governments are in a position to do anything about the problem - and they seem woefully unequal to that task. If you're a fan of self help books, i think you should check this one out -- it's super short but illuminating.