I could partially relate to what you said, but let's consider just another aspect of it. Indeed, money is not a real product in terms that a person can't consume money. So, anyone who would trade money for money seemingly would not generate anything useful. Right? Not quite. There's a very complex problem of the resource distribution that market economy allegedly is trying to solve by means of the fluctuations around the optimal proportions at that specific time. Money becomes the means of the economical assessment. For example, what is that evil bank interest? Ultimately, that is an assessment of the prospective chances of a new enterprise producing profit. The riskier the enterprise, the greater the interest up to the point where the assessment of risks and feasibility stops being convincing to the individual or group investors. (And, yes, there's a whole science on how to become more convincing and get lower interest, but that's another story.) Similarly, the other types of 'securities' are interconnected and mutually dependent to the point the system becomes so complex that it just stops making sense to the outside auditor. And yes, this system is fault-tolerating only to the point of the first significant failure at which point the pessimism of the investors outweighs their previous optimism and the money is being pulled off the more risky enterprises and put into the less risky enterprises, which causes the enterprises to slow down their production (or shut it down completely) forcing the other waves of fluctuations collectively named a financial crisis. There are very few things you could really control as the entire system of production is ultimately based on either optimism of the investors or their pessimism both being quite subjective. So, some economists are trying to control those emotions and make predictions based on the previous history. How successful are those economists? Again, that is purely subjective. Some leaders can absolutely assure there would be no default and announce the default the very next day. And so on. As you can see, you have to really grow a thick skin to deal with that situation.
So, now some very concerned people march their way into the Wall Street and openly declare: PEOPLE! THE SITUATION IS NOT THAT GREAT! Are they right? Of course, they are! Thanks for raising the concern as they probably were under impression everyone else was apparently in oblivion the market economy is sent to the Earth from the Heaven. B-U-T!! What do they propose? Social revolution? More control on the banks [and create more corrupted officials and more politics around that]?