“Who told you to put all our savings into that bank?” shouts a distraught wife as she looks at her weeping husband, “It’s collapsed! It’s your fault! We are ruined!” In many homes, it’s either a husband or wife crying out about a bank collapse or very lately the collapse…


Robert Clements is a newspaper columnist and writes a daily column, which has graced the pages of over 60 newspapers and magazines, from a daily column in the Khaleej Times, Dubai, the Morning Star, London, and in nearly every state in India, from The Statesman in Kolkata, to the Kashmir Times in Kashmir to the Trinity Mirror in Chennai.