As a student of economics this question usually worries me that why do periodic business cycles occur, why is thier always a boom after a bust and a bust after a boom, what i felt is that economists mostly try to hide facts by avoiding the root causes of the problems. If we have a look at the economic history of this world then we would observe that before the Great Depression this world never felt the need of economics or the "GENUISES" to find out the solutions to the financial problems, that means actual problem was started by 1920's when for the very first time artificial money was introduced, whenever the difference between the gold reserves or the actual reserves increases negatively or postively then we see a boom or a bust in the economy, the present Financial crisis is an outcome of this very reason to me, as artificial credit money was brought in, and by the time when it was to be repayed there wasnt enough capital to pay it back because the actual reserves were never to the level of the artificial reserves created through credit money, and the slution to this i would suggest that an alternate currency ahould be introduced which could be of gold or silver or strict rules should be followed to stop artificial credit in the market-