What ever you call it, the causes are disturbingly familar. THe great depression, S&L banking crisis and many others were caused by artificial bubbles in the banking system just like the ones you noted in your post. The only difference being that today's bubbles are often hailed as a paradigm in the economy where prosperity never seen before will reign; but it is just as I said; they're a bubble, nothing more.
Frankly, Scarlett, I don't have a fix. -- Rhett Buggler