[7Figures2Commas]

I can assure you that you don't have to be a member of the the 0.1% to profit in a downturn. If you can buy shares of stock and call options, you can short shares of stock and purchase puts.

Of course, you'll never win much sympathy profiting from sanity. If you want sympathy, help "grow the economy" by leveraging yourself to the hilt and blaming evil bankers when your debt catches up to you. But please recognize that you're not really growing the economy; you're just mortgaging your future.