Much of our "financial crisis" problem (in my opinion) stems from a MAJOR FLAW in our educational system -- almost certainly contrived from somewhere "deep behind the scenes" I suspect? -- which has left just about every single person in the Republic of Ireland (and many other nations besides) COMPLETELY ignorant about (1) the extremely important matter of having a HEALTHY "national money-supply system", and (2) the way to go about putting such a system in place.
The ancient Greeks discovered (about 2,500 years ago) that a healthy nation's money supply needs to be a "creature of the law"; that in turn the "l aw needs to be a creature of government"; and, last but by no means least, that the "government needs to be a creature of The People": as in FULLY under the control of "The People". (Please note Article 6.1 of Bunreacht na hEireann, the Constitution of the Republic of Ireland.)
Fortunately, and thanks to the Internet, it seems to me that we could now all (or most of us at least) very easily and very quickly overcome -- for ourselves as individual human beings -- the "major educational flaw" in question: if we choose to do so (as individuals).
This is particularly true for those who might be inclined to share the "Barry McKenzie" (http://en.wikipedia.org/wiki/Barry_McKenzie) type viewpoint that "you don't need to know all the ins and out of a duck's a**e about this subject". Just the BASICS will do.
"Out of the Mouths of Babes: Twelve-Year-Old Money Reformer Tops a Million Views":
Though the "money-supply" information at the above "Common Dreams" www address is basically for Canada (and "The People" of Canada), it all applies -- more or less exactly (in my opinion) -- to the Republic of Ireland (and "The People" of the Republic of Ireland) just as well: as it does to "The People" of virtually every other nation on Earth (in all probability).
The text in the section immediately above is based on a comment dated June 2nd 2012 at the following Indymedia (Ireland) location:
"The need for monetary reform, genuine democracy, and government integrity ..."
Human Rights Ireland