Deregulated Wall Street Banks --> Products like CDOs --> Real Estate bubble --> average Joe's Retirement Funds investing in said bubble (via Wall Street Banks) --> Bubble burst (as always) --> Retirement Funds lose huge amount of money --> average Joe's golden years are now made of lead (Pb) --> Bad for average Joe, his wife Jane and his kids and grandkids (go on, think how).

Deregulation, throughout history (explore the pre-1930's, pre-GreatDepression US economy), has always left average Joe in a badly disadvantaged state, for the long term.