From my point of view, the American financial system - including banks and investment banks - is far safer because of capital and liquidity requirements. Despite all the turbulence so far this year, I don't think anyone's questioning our system. And that, obviously, is a good thing.
Every moment is utterly unique and will not be continued in eternity. This fact gives life its poignancy and should concentrate your attention on what you are experiencing now. . . that source of eternal energy is here, in you, now.