<<"Are the people that look after my pension pot that stupid?">>
I don't think 'stupid' describes the entire mindset of everyone involved.
While it might apply entirely to some - and to some smaller degree to most of the others - more mendacious adjectives are more apt for ALL the people at the top who either deliberately caused this to happen or did nothing when they should have been preventing it. Most of the others are simply ignorant of the scale of the problem.
<<"can I print out and send it to them?">>
Sure - it's nothing they don't already know and it's nothing which hasn't been written about extensively for at least the last 10 years. Just because most people are only now feeling the effects doesn't mean that the seeds were only recently sown. They've been too busy worrying about soap storylines or Man U's goal difference. That apathy is going to prove to be very expensive. Unfortunately, the bulk of the bill will be paid by our kids - and theirs.
A question I'd ask you is: Just assume for a moment that they are so corrupt to have caused and allowed this to happen. Would you really expect them admit to it when you print out the allegations and send it to them? Apologise? Give back all the money they stole? Promise to never do it again? And I mean a real promise - not the Cameron, Blair, Brown, Bush, Obama kind.
<<"you are almost saying that no one can be trusted">>
Trust is earned. I can't think of a single thing that's been done to warrant ANY trust but there have been a ton of lies to generate distrust. So much so that we now have classic quotes like this one from Jean-Claude Juncker, the man who is the head of the Eurogroup council of euro-zone finance ministers:
'Mr. Juncker says he has “had to lie” and, speaking about touchy economic topics, “When it becomes serious, you have to lie.
Let that sink in for while. When 'it' becomes serious, 'you have to lie'. Not, 'you could lie' or 'you may lie', which would have been bad enough. No, in actuality it is much worse. When things get serious 'you HAVE TO lie'.
So, how many times do we have to be lied to, in increasingly shameless and bald-faced ways, before we wake up to the fact that the glaringly obvious is no longer 'strong stuff', as you call it, but the new norm?
This is not your father's economic downturn.
History shows that every generation just can't believe that such levels of criminal behaviour can exist amongst its leaders - until it becomes forehead-smackingly ridiculous to deny it any longer - by which time it's too late. What we are living through now is by far the greatest theft and transference of wealth in the history of mankind. So, you are right - tinkering with insignificant levels of reserve requirements isn't designed to do anything but give false hope and keep the pitchforks at bay.
What needs to be done is not an option that they would ever consider because collapse would be immediate and brutal. And just like a debt-junkie or addicted gambler, the current policy seems to be to put off that unavoidable and inevitable collapse for as long as possible, pray for a miracle and panic every time we reach the edge. That's quite a manifesto to run on isn't it? - but rest assured, we'll vote for it :-).