Well trading is a little like being in government - you just have too stay out of trouble for your term (typically a year, but longer periods of consistency for head trader - the real money maker). Timing in this business is key to a prosperous career. Unfortunately for Gordon Brown, the mess is just starting unravel (yes, just STARTING)... There is far too much short-sightedness everywhere. Banking, politics, everything. If personal incentives were longer-term, then I'm sure things would improve, but unfortunately human beings are inherently forgetful of cycles over around 8-10 years, so the same mistakes get made over and over again.