"Greed " is the downside of capitalism. The gov. plays a role in regulation. Greed oversite if you will. When that fails you have a situation like we are in with forclosures. Its not entirely the govs fault because they don't do too many things well. The military being the exception! Insanity is us expecting the gov. to be a well oiled machine. Look at FEMA , FDA( lead paint in toys from china)... they all have news worthy failures of oversite but for the most part they are doing as good a job as can be expected from a lowest bidder beauracratic based system. If you want to allow the free market to respond to a Katrina like catastrophy then you will get a quick responce . You'll get a stiff price as well. in capialism the rule is generally you get what you pay for .