When people talk about the economy, whether on talk shows or in bars or just standing at the bus stop, the conversation eventually goes the same way. Everyone has a theory about who is to blame, where the money went, or at least how this might play out in the distorted politics of our time. If you let the conversation play out a bit, however, there’s one thing that always seems to turn people’s gaze to the floor as if the answer is written at our feet – what the Hell really happened?