Jim:

> Deregulation of finance is most central, along with the Fed's
> unwillingness to warn against the development of a bubble economy.

That is fine! But with deregulation the financial system started to
create huge amounts of money. Furthermore, whether the deflating asset
prices are causing the decline in the money supply or the other way
around is not the issue here. There is a feed back mechanism and each
influences the other.

I doubt that Central Banks and Governments can control the money
supply even in the fiat system where there is a very complex banking
system. Even in the fiat system, money is endogenously determined.
There are no reserve requirements on any accounts other than the
checking accounts in the US, so banks (real or shadow) can create
money indefinitely, at least, in the US. It is the financial
transactions that determine most of the money supply. Of course, when
this is the case, money can be destroyed beyond the control of Central
Banks and Governments as well, at least, in countries similar to the
US. The same thing is happening in the UK too, for example.

Lastly, the decline in consumption is very recent. The consumption
started to decline after the subprime mess of 2007. Prior to that it
was driven by easy credit and did not decrease. And because  the
incomes were not increasing at the same rate the debt was increasing,
the failure was obvious: what the financial system created was a Ponzi
Scheme. They call it "leverage" in these days.

To close, why did finance come to dominate the US economy and what led
to deregulaton, whether there is any connection with these and the
falling profit rates and decreasing investments were not issues that I
even mentioned in my previous post. You need to start from somewhere
and after all, this is an e-mail, not an academic article.

Sabri
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