Good Morning!
First of all, I would like to say I am not a Karl Marx enthusiast, neither I hate him or his theories, I just like to be reasonable. And being this way, I should say the Captalism works in cycles, like a person who is maniac depressive: sometimes he or she is extremely optmistic about the future and other times he or she is totally distressed.
The current crisis started one year ago, when the immobiliare market felt the results of such optimism: banks lent money to investiment banks and the last ones bought house papers or their derivatives, selling them again to a lot of investors. Once such papers and derivatives proved to be a bubble, like the internet campanies assets 8 years ago, the chain effect started and arrived at the common banks, which lend to "real" companies, as General Eletric, the Coke Company, etecetera.
Those companies, fearing not having enough money to finantiate......