Welcome to decouple.org.

We advocate for the decoupling of government and business so that the taxpayer is not responsible for a multi-trillion dollar bailout of the financial system.

We support ending government insurance of bank accounts (FDIC), the multi-trillion government support of the housing market, including Fannie Mae, Freddie Mac, FHA, FHLB, Fed purchases of MBS, and the availability Fed discount window to investment banks. We also advocate for ending the Mortgage Interest Tax Deduction.

We believe free markets and consumer education will create a strong and competitive economy, along with wealth and financial security. Bailouts, entitlements and huge deficits will result in the bankruptcy of our country.

The Housing Market Will Crash Again PDF Print E-mail
Written by Administrator   
Thursday, 28 January 2010 14:49

The housing market will crash again.  There are simply too many vacant and at-risk houses and not enough buyers.  The math is simple.

Last Updated on Saturday, 30 January 2010 17:08
The problem with the bank tax PDF Print E-mail
Written by Administrator   
Friday, 15 January 2010 02:32

The Obama administration recently proposed the "Financial Crisis Responsibility Fee", a tax on big banks, which will raise about $100 billion over the next 10 years to pay back the US taxypayer for the cost of TARP and other government bailout programs.  The tax is on uninsured bank assets of 0.15%, and only applies to banks with assets over $50 billion.  Sounds like a great idea, right?


In fact it's a terrible idea, but not for the reasons you might expect.  The Law of Unintended Consequences will come into play, again as it inevitably does.  And the taxpayer will have to foot the bill for multi-billion dollar losses caused by it.

Last Updated on Wednesday, 20 January 2010 03:05
Ally Bank: The First Zombie PDF Print E-mail
Written by Administrator   
Friday, 08 January 2010 02:44

You've probably seen the Ally Bank commercials.  In one of them, a child is given a new bike, but then is not permitted to ride it anywhere.  In the others, the children are teased variously with a toy truck and a pony.  The commercial ends by touting one of the benefits of Ally Bank, such as its 'No Penalty CD' or high interest rates on savings accounts.  Then, "Ally Bank.  It's just the right thing to do." The implication, of course, is that other bank customers are suckers.

Last Updated on Sunday, 10 January 2010 21:50
Bernanke's next power grab PDF Print E-mail
Written by Administrator   
Monday, 04 January 2010 01:20

Ben Bernanke was Time's Man of the Year in 2009 for supposedly saving the world economy from Armageddon.  He's also the most powerful man in the world.  Now King Bernanke wants more power.  If he hasn't already sowed the seeds for the Great Depression II, with even more power, it is all but inevitable.

Last Updated on Monday, 04 January 2010 03:25
Regulation Can't Work PDF Print E-mail
Written by Administrator   
Monday, 28 December 2009 03:47

Financial regulation can't work.  No matter how you try it's bound to fail.  Here's why.


I'll Take Armageddon - Preparing for the Big One PDF Print E-mail
Written by Administrator   
Friday, 08 January 2010 17:03

The Fed has pumped $2 trillion into the banking sector and housing market over the last year and a half (see the Bailout Scorecard) to keep the banks running smoothly and to jump start the housing market.  These initiatives are unsustainable and will fail.  It may be next month or it may be next year.  But the Fed is running out of weapons in its arsenal.  The housing market will crash again, and when it does, we'll be in a new financial crisis.  Banks will cut off lending, businesses and people will panic.  The politicians will demand action.  And the Treasury and Fed will relaunch their 'scare the s**t out of them strategy' that worked so well last time: if we don't take immediate multi-trillion dollar action right now, there will be economic Armageddon.


Here's my response: I'll take Armageddon.

Last Updated on Tuesday, 12 January 2010 16:33
Bailout Scorecard PDF Print E-mail
Written by Administrator   
Thursday, 07 January 2010 17:39

The bailout so far totals nearly $2 trillion in aid and guarantees to banks and housing market support.  Here is an accounting of all the main bailout programs, along with the possible potential loss of each.  If the housing market falls modestly, the taxpayer stands to lose at least $1.1 trillion, not just from the bailout funds, but from losses from government mortgage guarantees.

Last Updated on Friday, 08 January 2010 17:02
Arianna's "Move Your Money" Campaign is a great idea but.... PDF Print E-mail
Written by Administrator   
Sunday, 03 January 2010 23:00

Arianna Huffington, Rob Johnson and colleagues recently created the "Move Your Money" campaign (moveyourmoney.info), the idea of which is to encourage people to move their money from the big banks into smaller, healthier banks, in an effort to stabilize the financial system.   It's a really clever idea, and certainly the right thing to do, given that it takes power away from the 'Too Big to Fail' zombies.  The campaign is coupled with a video montage from "It's a Wonderful Life," the Jimmy Stewart movie about how he saves his local building-and-loan from a big bank that comes in to the community and nearly destroys it.  Unfortunately, however, the campaign is only a short term fix to a deeper underlying problem: the moral hazard of FDIC insurance.

Last Updated on Monday, 04 January 2010 01:06
Too Big to Fail by Andrew Ross Sorkin PDF Print E-mail
Written by Administrator   
Monday, 28 December 2009 03:44

Too Big To Fail by Andrew Ross Sorkin is a fascinating and intricate play-by-play account of the events leading up to the Economic Crisis of 2008, culminating in the Credit Crisis in September, from the perspective of the leaders of all the big banks and government officials. The book is so richly detailed that it reads almost like fiction. One gets to know the personalities of all the main players, with their strengths and quirks, and experiences the roller coaster emotional atmosphere as this group of people creates history in the face of crisis.

Last Updated on Monday, 04 January 2010 17:58

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Copyright © 2010 decouple.org. All Rights Reserved.


End the FDIC
How to end the FDIC.
Kill the MITD
The Mortgage Interest Tax Deduction is very destructive and must be ended. Here's why.
Dismantle the ratings agency cartel

The government-chartered cartel was a central contributor to the financial crisis. It must be dismantled.


How to prevent a bank run
To prevent a bank run, banks can temporarily restrict cash withdrawals.
The cause of the financial crisis
The financial crisis was caused by a combination of government policies and regulations.
Bailout Scorecard

$2 trillion in bailouts and counting. Potential losses of at least $1.1 trillion.