Look around. Oil companies guzzle down the billions in profits. Billionaires pay a lower tax rate than their secretaries, and Wall Street CEOs, the same ones the direct our economy and destroyed millions of jobs still strut around Congress, no shame, demanding favors, and acting like we should thank them. Does anyone here have a problem with that?

I can remember riding in the car with [my daughter] Amelia, when she was very small, and we'd talk about money the same way we'd talk about sparkly shoes or what had happened at school.

Part of my job is to make sense of all that I hear, and to retell it in a forceful way so that the decision-makers at Treasury can hear it. At least that's how I see it.

[My grandkids] are 5, 10, and 15. While they're young and still at home, I think it's all about learning the value of money.

There's a limit here. This is how far we go and we don't go further. And I also think by talking about [gifts] it that way, it avoids the unspoken idea that money is the expression of love.

What we collectively decide about how to bail out our economy, how to pull our economy out of a ditch and what rules we put in place to make sure this problem does not happen again, will shape our country for the next 50 years. This is it.

The financial services industry has seemed to treat the crisis like a little rainfall - inconvenient, but no significant changes needed. The real question moving forward is how the industry will respond to Wall Street reform and growing public anger.