Despite Nobel prize winning economists, highly educated treasury and central bank officials boom-bust cycles continue to affect the economies of the world. Following enormous growth after the dotcom collapse of 2001 the world is facing a severe recession, maybe even a depression. Nobody seems to have any idea as to why this happens so no one can suggest a cure. The main reason is the complete lack of synchronicity between planning by citizens of a country, its politicians and its business heads. Individuals think and plan for a lifetime and for the lives of their children after them. Their financial planning, therefore, spans decades as they buy into mortgage for homes stretching over at least 20 years, buy life insurance and pension plans lasting for their entire working lives. Politicians, on the other hand, focus on winning the next elections in 4 or 5 years time. They will often lower taxes or increase social security payments just before an election even if the measures are inflationary and add to national deficit. Elections are expensive forcing politicians to seek donations from friends in business who benefit from government contracts and loose regulatory supervision. This is why bankers were able to play with sub prime mortgages almost resulting in bankruptcy and then take huge bonuses nonchalantly. Business heads think of increasing profits in extreme short term periods of quarterly reporting. They are then paid millions in so called bonuses which are really glorified tips. They will lobby politicians for lax laws, pay for fraudulent research vilifying climate science or sack thousands of workers for no fault of theirs. Tips are same as begging. Ban them.