 Since the financial meltdown of 2008, we haven't allowed the free market to work. We've been protecting big business. And as every one of you who studied basic economics knows, when you keep bailing out these big businesses instead of letting them fall and go bankrupt, you create moral hazard where more and more businesses think, hey, they're going to protect me too. If I make stupid mistakes and go bankrupt, they'll bail me out too.