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place your thoughts here:
1.
2.
3.

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A company taking out lots of loans to invest into securities

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A company taking out lots of loans to invest into securities

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If the company is large enough, and it defaults on its loan, then the government will bail them out under the TBTF policies. This incentivizes more risky and excessive spending in search of profits because the company knows they will not foot the bill if something goes wrong.

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1.  The great depression happened due to us not preparing for a bank to fail, and the government helped the working class by adding more security to them, and making it so that a bank cant cause a fall like this again.
2.  In order to prevent a crash we should not allow for this much interconnectedness
3. When companies fail they rely on the government to bail them out, and they know they will get it if they are big enough.

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1. moral hazard: the idea that less consequences can lead to the prevalence off risk taking
2. the government should regulate the the rate at which companies grow
3. we should not let companies be immune to there mistakes

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1.)  the response to the great depression led the government to create a system in which companies can fail without impacting the whole economy
2.) Companies in crises depend on governments to bail them out especially if they are too big to fail and could cause big impacts on the economy.
3.) Moral hazard and this idea that with the risk of certain actions being cushioned and lessened, people are more likely to continue taking these risks.

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2. FDID
3. Services and Exchange Act

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1. New regulations during the depression-era that prevented the economy from failing alongside banks
2. After the 2007/2008 housing crisis, the Dodd Frank Act was passed to regulate banks and financial firms
3. "Too big to fail" resulted in the economy becoming dependent on large financial institutions, leaving the government no choice but to bail them out

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1. Dodd-Frank Act was the mediator between the US and the big industries that endangered the economy which resulted from a string of risky behaviors.
2. Moral Hazard or Incentives
3. Troubled Asset Relief Program (TARP), Bailing out of failing large TNCs and industries. Allowed the purchase of over $700 Billion in Troubled Assets in 2008

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 A government gives a lot of money to banks durning a financial crisis even though those beanks caused the financial crisis. The banks lack moral hazard because of this. 

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 A government gives a lot of money to banks durning a financial crisis even though those beanks caused the financial crisis. The banks lack moral hazard because of this. 

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1 FDIC- An example of how depression era regulations tried to protect peoples money
2 The banking act of 1933- This depressions era regulation was used to stabilize the economy.
3 Too big to fail is the idea that the government will bail out large companies in order to sustain the economy.

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1. Government jail breaking big companies, like Citigroup
2.  With too big to fail came Moral Hazard, which was where businessmen  made risky bets with like their profits not worrying about failing because they were always being backed by the gov.
3. To avoid another economic crisis, the Dodd-Franks act

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1.The Great depression because the US did not prepare/expect the bank failure
2.Too big not to fail
3.Dodd Franks act

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Government bailouts

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1. Too big too fail
2. Necessary Evil of capitalism
3. Government Regulations (FDIC, Dodd-Frank Act)

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2. The FCID which made it so failing companies could not fail.
3. Moral hazard which promotes companies to take unnecessary risks.

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1.  The government is looked at like a safety blanket for failing powers that cause economic crisis
2. The failure of the market is due to the governments lack of regulation
3. Failing banks should not cripple the economy, the government must have a way to deal with this

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The government bailing-out failing banks, which encourages the banks to take greater risks or continue risky behavior 

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The government bailing-out failing banks, which encourages the banks to take greater risks or continue risky behavior 

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A company taking out huge loans to reinvest in their own company without ever paying them back

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1. People rely on credit to build economy
2. Food markets
3. Housing markets

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Too big to fail
Americans relying on credit
Security business

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1)  TBTF: To prevent an economic crisis the government bails out big corporations like banks that we rely on.
2) The Federal Deposit Insurance Corporation (FDIC) : assured citizens that they wouldn't lose their savings
FDIC assured citizens that they wouldn't lose their savings. These regulations made it less likely that many people would again run to take their money out of the banks causing another collapse .

3) The Dodd-Frank Act: Made regulations to make sure another economic crisis occurs.

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1. The Mississippi Bubble was a historic response to the economic crisis in France that set the blueprint.
2. The current response with the housing bubble 2007/2008 caused the creation of the Dodd-Frank act to prevent it from happening again.
3. The trump administration has now loosed the Dodd-Frank act affecting the safety net for the economy.

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1 Government bailing out large banks so they will not fail
2 Dodd-Frank
3  FDIC

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1. Global economy is dominated by a small percent of transnational corporations
2. These corporations came about organically and not brought up byt some period scheme
3. The reliance on a small number of corps makes the global economy very shaky.

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Businesses rely on the government to save them if they fail in order to not bring the economy down with them

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Moral hazard grants companies the confidence and incentive to keep taking reckless risks, knowing that the government will always come to their rescue

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1. Failing companies and industries rely on the government to help them when they are in need. This could be during an economic crisis such as the Great Depression.
2. A series of relief programs were developed such as the FDIC and the Dodd-Frank act
3. The FDIC (Federal Deposit Insurance Corporation) was created to ensure that failing banks would not bring the economy down when they collapse. The Dodd-Frank act created many regulations to ensure the financial companies/industries were not being left unchecked.

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1. FDIC
2. CFPD
3. Dodd-Frank Act

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Businesses make decisions without caring about the risks because they feel assured that the government will fix any mistakes they make. An example is the banks being bailed out. 

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Businesses make decisions without caring about the risks because they feel assured that the government will fix any mistakes they make. An example is the banks being bailed out. 

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1. Leading up to the Mississippi bubble burst, the French wanted to make Mississippi seem like a lavish, prosperous place so people had incentive to buy their stock.
2. Banks giving people free credit so they have an incenitve to buy a house even though they can't pay it off later.
3.

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1. Too big too fail, some industries must not fail

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1. Too big too fail, some industries must not fail

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2. The government is essentially the backbone of the economy by bailing banks that have the potential to fail.
3. Dodd-Frank act exist because the economy now isn't safe

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Components and links of a complex systems
"Who controls the world"

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-government bailouts or not insuring something like a car/house knowing there's risk of damage

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-government bailouts or not insuring something like a car/house knowing there's risk of damage

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Businesses have the  power to bring down the whole economy if the government isn't there for the businesses to rely on.

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Businesses have the  power to bring down the whole economy if the government isn't there for the businesses to rely on.

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When companies make reckless decisions that would normally put the company at risk to failure, but because the company is so large the government will constantly bail them out due to the fact that the economy relies so heavily on that companies existence. Which encourages those too big to fail companies to make overly risky deals.  

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When companies make reckless decisions that would normally put the company at risk to failure, but because the company is so large the government will constantly bail them out due to the fact that the economy relies so heavily on that companies existence. Which encourages those too big to fail companies to make overly risky deals.  

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Businesses rely on the government to stay afloat while the govemernment relies of businesses to keep the economy afloat. So it s vicious cycle fo trying to keep everything together.

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2.) TBTF
3.) Services and exchange act

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The connection between government, finance/business, and economy is the idea of Too Big to Fail. This is because markets are the failure of the government's lack of restriction for big businesses as they have too much support for failing businesses that in return affect the economy.

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1. 2007/2008 housing crisis.
2. new regulations from the great depression.
3. too big to fail.

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Big companies have a grasp on the economy because if they fail the economy goes down with it. Which leads to the government having the step in and bail them out. With that being said it creates a connection which might and has led government officials to ask for business owners their opinions on certain government issues

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Dodd-Frank and how it has been used to regulate/deregulate over time

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Dodd-Frank and how it has been used to regulate/deregulate over time

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1. FDIC (Federal Deposit Insurance Corporation) insurance incentivizing moral hazard by having a system where lost money will be repaid by the gov't
2. Regulation on company size through tax brackets and thresholds
3. preventing certain institutions from engaging in the markets a certain way

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The government has always felt a need to save companies who are simply “too big to fail”.  This makes the business world seem unfair.

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The government has always felt a need to save companies who are simply “too big to fail”.  This makes the business world seem unfair.

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When corporations make reckless decisions without consideration of the consequences because the government will always be there to clean up their mess

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When corporations make reckless decisions without consideration of the consequences because the government will always be there to clean up their mess

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The connection between the government finance/business and economy is that big banks rely on the government to bell them out of their carless risks so that the economy doesn't fail.

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1. The Dodd-Frank act which was used to promote the financial stability of the U.S  by improving certain aspects of the financial system.
2.  The idea of Too big to fail which helped us think about  how to deal with an existing crisis, especially scenarios involving large corporations in the U.S.
3. The concept that Capitalism is a necessary evil.

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1. Realization that there needs to be a way for companies to fail without affecting the entire economy

2. More regulation was created such as the Dodd-Frank Act after the crisis in 2008

3. Government response to economic crisis is controversial because either the companies disagree with the action that is taken or political figures disagree with each other.

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Businesses fuel the economy and hope the government will bail them out if they 'fail'.

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What Moral Hazard refers says is that people tend to make terrible choices is they’re being protected from any consequences that those choices would produce. It’s like you being stupid and crashing your car and not worrying about it because your mom can pay off for the damages.

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Businesses rely on the government do to the cycle structured, meaning that the government is dependent on business in order for the economy to flow and the businesses depend on the government in order to remain with its functions.

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companies produce exports that provide more global political power while the economy benefits from this because it leads to a  more productive market. however, over production can lead to economic crashes.

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companies produce exports that provide more global political power while the economy benefits from this because it leads to a  more productive market. however, over production can lead to economic crashes.

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Businesses support the economy. Consumers spend money at the these businesses through buying actual products or investing. This allows businesses to reinvest this money, putting more money into the economy, boosting it. Governments limit businesses from becoming too large and having too large of an impact on the economy if something were to go wrong.

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The connection between government and finance is negatively affecting the economy because the government is allowing companies to grow incredibly big causing the economy to rely on that company. The company knows the government needs them and will do anything in their power to make them stay afloat it it faced a crisis, allowing the company to do whatever they wanted without faces the consequences.

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2. Government Regulations such as the Dodd-Frank Act and FDIC
3. Capitalism is a necessary evil

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1. Moral hazards
2. Companies relying on the government as a safety net and never having to deal with their own problems
3. Dodd frank act creating a structure and acts on the way businesses run

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Capitalistic beliefs and ideals point to the concept of limiting government involvement in economics. This is contradictory in that there are some businesses and companies that are too big to fail and this is allowed by the government in some way, shape, or form. If these companies do experience an incapacitation and begin to fail, the banks and the government act as a safety net, reinforcing that behavior and showing the companies that the government will always be there to save them. If the government doesn’t act though, there will be a large and negative impact to the economy that can lead to further repercussions.

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The government will bail corporations so that if they make a mistake they won't be held accountable. A company can thrive even if its doing things wrong right and left because the government is backing them.

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The government ultimately serves as a fallback cushion for the large corporations to ensure that the economy does not fail, thus the term "too big to fail" connects all three points together.

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During the 2007/2008 financial crisis, then US treasurer Hank Paulson asked several of the big banks that were “Too Big To Fail” how he should go about fixing the issue

Governments routinely bail-out banks when they make 🤬choices because they’re too important and too widespread for them to collapse.

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Large businesses can be reckless and take a lot pf risks and the government will be there to bail them out because these businesses are too large and too important too fail.

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The government holds and gives money to businesses. Businesses make the economy positively and negatively grow.

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They all rely on each other, the government needs money in order to function and in order to do so they try to allow the market to move freely. Instead of imposing regulations the government takes a position to support business leaders through changing laws and regulations.

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finance and business take risks to grow their business, and depend on the government to bail them out when these decisions fail, and these bailouts in tern help to keep the economy stable, however many too big to fail companies that depend on government can cause economic crises to occur if they don't have the proper set of regulations from growing to big and interconnected with other businesses to cause high scale impacts.

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Transnational corporations rule the world, as they make up 95% of the total operating revenue. Top players are self organized rather than put together by the government. These top players are all interconnected which is risky because if one corp fails they all might fail.

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A lot of Markets are tied not only to each other (1) but to the governments (2) and people of the world (think about how prevalent some social media apps are). The obvious drawback to this is that all this interconnectivity means that if one aspect of this web were to fail, then other companies would either tumble with them or take a massive hit to their profits. Because of that, governments regularly bail out failing governments in order to prevent an economic disaster.

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The FDIC, the dodd frank act, the fact that government is the only thing the economy can rely on to not crash.

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The FDIC, the dodd frank act, the fact that government is the only thing the economy can rely on to not crash.

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The goverment will bail out banks when they giv eout lots of loans they cannot afford to give. And these banks are doing it because they know that are protected by the goverenment.

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A company grows and becomes more interconnected with the total economy of the country and the world, and they rely on the government to save them before they fail and cause big damage to the economy

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1. With everything becoming more interconnected, if one aspect of the web fail it's gonna mess up other businesses that are tied to it
2. Despite this, we shouldn't  encourage bad behavior. That's why we gotta let companies fail
3. We always react to crisis', we rarely ever plan in advance to prevent disasters

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There are investments being made by consumers and those same consumers are spending money on the businesses products. From the money businesses make there is reinvesting allowed.

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Business, government, and economics are connected by how together they make they make and change the economy. For example too big to fail, without big corporations there will be a big economic crash. So the government will send financial help to make sure large businesses don't fall.

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1. Dodd franks act kept companies in check and prevented them from taking unnecessary risks. 

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1. Dodd franks act kept companies in check and prevented them from taking unnecessary risks. 

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2. FSOC- no companies grows too big to a monopoly
3. Federal Insurance companies- ensures security and insurance firms don't operate with full disclosure

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2. The fact that they let companies get too big to fail and they solely rely on governments
3. The government regulations like the Dodd frank act

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1.  Stress test pushes institutions to be more cautious with their capital because if they fail their dividends may be capped off.
2. The Sarbanes- Oxley Act provides an incentive for "Whistleblowers" who expose companies for their 'bad behavior'.
3. The FDIC incentivizes taking a risk since all money that may potentially be lost will be payed back.

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1. The global economy, and thus the world, is ruled by a small number of transnational corporations
2. The size of these companies make them integral to the economy, and if they fail we face another crash
3. These companies have very little to worry about failing, as the government will save them to keep another crash from happening.

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Finance and the government are going hand in hand which is what is causing these too big to fail companies to form and stay afloat. The government is scared of the power finance has over the economy and thus them, which causes them to basically succumb to the wants of finance, which then leads to big companies abusing this power over the government to stay on top as a too big to fail company. 

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Finance and the government are going hand in hand which is what is causing these too big to fail companies to form and stay afloat. The government is scared of the power finance has over the economy and thus them, which causes them to basically succumb to the wants of finance, which then leads to big companies abusing this power over the government to stay on top as a too big to fail company. 

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Many business and markets have system of connections/links together and so if one falls then other companies would fall too or their profits are reduced
The global economy is basically dominated by a small percent of transnational corps.

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Corporations using their power to bypass certain laws in order to obtain a desired outcome. This is closely related to the way U.S companies would seek places in foreign countries to dispose of unnecessary resources or even waste, and because this issue exists it means there are plenty more doing the same exact thing with different objectives in mind as well.

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Banks know that they can take immense risks and if they fail the government will more than likely be there to save them, causing this immense risk to just be a slight risk.

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Moral Hazard
The Dodd-Frank acts
The idea that companies can be too big to fail, and therefore the government will help bail them out.

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Big businesses and governments rely on each other. The big businesses rely on the government and the government relies on the big businesses. If the businesses were to fail the government would bail them out as they rely on them.

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An example of moral hazard would be a company investing a lot of money into lucrative stocks with a  high chance that they could possibly lose their investment. Unlike most people this bank is protected by the government and will be bailed out if it fails so there is no reason it shouldn't do it.

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The global economy is mainly dominated by large financial institutions and connected through large transnational corporations that do business in more than one country. Another factor is international trade (imports and exports) between countries. This high level of interconnectivity poses a problem because if one sector fails, the rest are negatively affected.

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1. The man most important thing that connects the global economy is transnational corporations due to how big they are.
2. We import/export alot of goods all throughout the world.
3. Lots of people invest stocks into many companies around the world. If the company were to fail that would affect everyone who invested in them.

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1.) Most of the economy is controlled by a small percentage of TNC's (Transnational Companies), that are located in the core of the web of interconnected companies
2.) The failure of these TNC's at the core would have a serious impact on many companies that it is connected too, and play a pivotal role in keeping the economy stable, and from facing another crash.
3.)Companies depend on each other to create their products and gain resources and depend on others to export and import their products.

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The economy is connected by big transnational corporations

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Global economy is mainly connected through big businesses around the world. We import a lot of goods into and out of our country.

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The global economy is interconnected because stocks have been bought and sold all over the world, allowing anyone to take a part of the size of a company. If one company is underfunded, another will be impacted because they need those resources to build their products.

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Incentives or Moral Hazards DO have a place in our day to day running economics. This is because this isn’t forcing anything upon these mega-corporations, rather, incentivising better and less-riskier behavior. For example, incentivising the quitting of banks promising companies a bailout which before regulations reinforces and applauds risky trades and actions.

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The global economy is interconnected because one company cannot create its products without the products from another company. And one company supplies and consumes many different products to and from many other different companies, so even if this one company fails you will be able to see this ripple throughout large parts of the economy because of this interconnectedness. 

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The global economy is interconnected because one company cannot create its products without the products from another company. And one company supplies and consumes many different products to and from many other different companies, so even if this one company fails you will be able to see this ripple throughout large parts of the economy because of this interconnectedness. 

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Companies are connected to each other and help/impact each other in one way or another. Companies buy products from other companies, supply to each other and use ideas or strategies other companies use.

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Large businesses are given a bigger room for error, knowing that they can rely on the government to bail them out.

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Large corporations operate internationally of which are controlled by a small group of people. These large corporations also have connects with other large corporations, meaning that die to a great interconnectivity, if one fails then others will fall with it causing a major crash. Governments have too   work together to limit businesses and make sure major crashes don't happen.

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Businesses become important to the success of the economy. In this way, the government depends on these businesses to continue to keep the economy going and they are willing to bail out these business if need be. This security from the government decreases the risk for companies in making big decisions.

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The global economy is controlled by the top percentage of businesses.

The global economy is interconnected in many ways, 1 being that companies invest in each other and rely off of each other.

Another way they are all interconnected is through imports and exports and how different economies require resources from other countries just how we saw through the article "Big Oil is in Trouble"

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1. The Dodd Frank Act
2. The FDIC
3. Too Big to Fail

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Large companies/industries rely on the government to bail them out when trouble arises. This is because the government fears that without this "large business", the economy will ultimately collapse. This results in the government giving in to the desires of large companies.

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Since we rely on businesses like banks and they collapse we go down with them causing another economic crisis since the government knows this they bail out business.

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Facebook is the greatest example of a Moral Hazard because it is a company that has become too big to fail. If they were to go out of business, the economy would suffer for it. It is a moral hazard because that means the government itself is protecting a website that allows people to spread fake news and post hate comments all over the internet without having them face and negative impacts.