It’s not just a matter of bank failures, spiraling foreclosures, high unemployment and the rest of this mess. Many of us sense that we’re on the cusp of a fundamental shift in our economy and culture. Though most may be in denial, the evidence strongly suggests that the American economy has been propelled and sustained by criminally inflated credit and rampant speculation, and we are on the precipice of a change that will result in a dramatically altered American landscape.