The Answers to the Financial Crisis

Every blogger is supposed to have all the answers, and feels obligated to come up with them. So here they are:
1. The reason we have a financial crisis right now is that U.S. companies have not invested in growth and the future (technology, broadband, trains, etc.).
2. As a result of this non-investment, banks and stocks have had to create phony investments, like bad mortgages, to try to create return on the dollar.  In China, where they have 'real growth' in the economy, there's no financial crisis.
3. While consumers are spending too much, companies (including colleges and universities) are spending too little. They are hoarding money.  Colleges COULD be spending on multimedia for online courses, expanding enrollments, scholarships, and so on.  But instead they hoard money.  They should be spending more on software, instead they sit and complain about their lousy software.
4. As a result of not investing in infrastructure, including training for workers, the U.S. economy stagnates and falls behind other economies.
5. The solution is for companies to invest in growth.  There's no crisis for technology companies, train companies and other sectors that are creating the 21st century economy.
6. Forget all the standard lines about "consumers being two thirds of the economy," they purposelly leave out the business sector, which generates the jobs.  Some 90 years ago Henry Ford doubled workers wages, and that propelled our society forward.  As long as companies hoard money, we will continue to slide downwards. Invest now!