Friends are crumbling with ruined savings and lost pensions. Strangers are in distress. The world is bleeding money. A good friend of mine, a hardworking, responsible widow in her late Sixties, told me yesterday that she’s ruined. All her money retirement money was lost in the slow decline of the financial markets. She spread out her risk, but she still got crushed. She has some savings left, but she cannot afford to live the quiet, easy, life she wanted before she dies.