If personal risionspbilety is just a bs phrase what does FJ advocate - must be personal irresponsibility. "Impersonal risionspbilety" is a vacant phrase; academic masturbation - like waxing a rental car. Impersonal risionspbilety gives us potholed roads, Amtrak and dirty, dangerous public toilets. All corporations are legally deemed as persons. Without corporations you would not have any investment, as corporations limit risk. Capitalism did not cause our current woes, corruption did. Until the lying borrowers, corrupt lenders and politicians on the take are all tried and punished, we will not see any more private investment here. And since that money, from individuals, corporations and sovereign funds, comprises 2/3 of all credit extant we are going to remain in this tailspin. The banks cannot bail us out.Prepare for 10 to 12 years of bad road.