金融危机本来应该已经迫使银行自己进行持续的压力测试，以便银行高层知道银行的最新情况，然而事实却并非如此。 那么，为什么美国需要政府来进行银行家自己能够进行并且应该做得更快更好的金融行为呢？
The financial crisis should have mandated a running stress test to keep senior management up to date daily. Why, then, did the US need the government to conduct a financial exercise that bankers themselves could and should have done far better and faster?