The financial crisis come about as a result of ethical matters, including, but not limited to fraud, deception, and miscellaneous stealing. Some violations were recognized and some unrecognized. Some acknowledged, some unacknowledged. Ethics is also where the cure lies, for now, American business does not trust each other. The corporate culture was committing acts they knew where wrong and the Congress acquiesced in their dishonesty. The result has been wide spread suffering.
The free capitalist society demands a moral strandard. To the extent that society has less moral rectitude requires external restraints. That is why there is so many proposals for various regulations of the economy.
This has always been the case. DeTokeville was writing about this American feature of morality, which he related to spirituality, in the 19th century. We will fix our economy an our society by fixing our moral problems or else we stand to lose many of our freedoms!