Be afraid...very afraid; there are US trillions out there in "swaps" still sloshing around or fermenting in paralytic repose. Interest rate and currency swaps are two. Your own mortgage is most likely wrapped up in a mortgage derivative CD.
An ethical person - like a politician, banker or lawyer - may know right from wrong, but unlike many of them, a moral person lives it. An Americanist first already knows that. Bankers and their government agents will always act in their own best interests. Any residual benefit flowing down to the citizens by happenstance will just be litter.