Hér er að finna, í pdf-skjali, merkilega umsögn hagfræðingsins James K. Galbraith, um glæpsamleg fjármálakerfi og nauðsyn þess að taka á þeim, frá fundi nefndar bandarísku öldungadeildarinnar 4. maí 2010. Í upphafi umsagnarinnar ræðir Galbraith um hagfræði sem „vanhelga fræðigrein“, þar sem menn hafi trúað á skynsemi markaðarins en algjörlega sniðgengið möguleikann á víðtæku svindli. Þarna tekur Galbraith í sama streng og William K. Black, sem hann einmitt vitnar í. Niðurlag á texta Galbraiths er svohljóðandi, hann leggur mikla áherslu á að taka á á svindlinu:

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Some appear to believe that “confidence in the banks” can be rebuilt by a new round of good economic news, by rising stock prices, by the reassurances of high officials – and by not looking too closely at the underlying evidence of fraud, abuse, deception and deceit. As you pursue your investigations, you will undermine, and I believe you may destroy, that illusion.

But you have to act. The true alternative is a failure extending over time from the economic to the political system. Just as too few predicted the financial crisis, it may be that too few are today speaking frankly about where a failure to deal with the aftermath may lead.

In this situation, let me suggest, the country faces an existential threat. Either the legal system must do its work. Or the market system cannot be restored. There must be a thorough, transparent, effective, radical cleaning of the financial sector and also of those public officials who failed the public trust. The financiers must be made to feel, in their bones, the power of the law. And the public, which lives by the law, must see very clearly and unambiguously that this is the case.