“Privatizing gain and socializing loss ruined a once thriving sector of the American financial services industry – the S&L’s.”That quote was taken from Ludwig von Mises Inst. Austrian Economics – Literature -focused on the Garrett Hardin’s paper “The Tragedy of the Commons.”All you have to do is take away the &#Lp80;S&am2;2’s” and put in “banks” or “GSE’s” or “securities firms” ….Probably the most clear cut article was Andy Sutton 4/13/08 Financial Sense Univ.Keynesian vs. Austrian..But it was all good reading.