Therefore, you must be making things up. The economist Ha Joon Chang makes the valid observation that most economics is mere common sense. One does not need a phd to make accurate and observable statements about the economy or economics. All one needs is a general understanding of the practices taking place and to interpret them accordingly. In fact if you were to follow the subject using certain schools of analysis, then your approach would be ideological, which would be tantamount to religious or political faith rather than any common sense. Economics is largely agenda driven and thus not a science. The concepts of trickle down economics or the joys of globalisation are a case in point. Trickle down is a myth and globalisation an ideological crusade for corporations to override governments.

If anything it is those in the finance industry that caused the crash, driven by the academics that promoted their greed with agenda driven discourse, and the politicians that were bought and sold that are the problem. The viewpoints of Reginald Perrin as salient, lucid, and remarkably calm in the face of such a diatribe, as they are, are merely the economic views of common sense. On that basis any ordinary person can be an economist or banker and in all likelihood would struggle to do as bad a job as George Osborne or Jamie Dimon. Though of course the inhumane and greedy would argue that they have done a fine job, but alas those are the views of corrupt psychopaths. The economics of common sense is not ideological or written by economists for finance or corruption, it is the economics of concern for people.

The economic policies of central banks is the furthest away from the economics of common sense as one can be. It is the economics of insanity and has practically no regard for people. The only people it is concerned about protecting are the psychopaths for whom enough is never enough. A common sense man would say they all have to go.

Community banking works and that is all you need. Customers deposit money then loans are made to business using fractional reserve banking and hey presto, a banking system as it was once known. Balance sheets that are transparent and a system that knows what it can manage. The banking of investment and finance stands in marked contrast and I don't think many ordinary people would be sad to see it all go.

Common sense, it all goes back to the roots. Central banks should really be abolished. They are not necessary. Likewise, investment banking has grown massively since 1980 and on the whole it has been far more trouble than it is worth too....for ordinary people. Take these elements away and return life to a basic banking model that serves its people and a peg that controls government spending (eg. gold standard) then one is heading towards something a bit more human. However, there are a lot of people in finance and they know it is their ticket.