Equilibrium

I have been trying to find a bright patch in this economic crisis.  My undergraduate degree is in economics so I often think a lot like an economist as well as an accountant.  I have been thinking about this crisis a lot in terms of an equilibrium.  This economy just got too out of hand for too long...spending too much, taking on too much debt, people getting into career fields and starting businesses in areas (real estate, mortgage lending) that they had no business getting into, investing in financial instruments (complex derivatives) they had no business investing in.  Things are just trying to equalize...revert back to the mean...become more in line with how they should be.  People buying homes that are more in line with their resources and saving money for a rainy day like they should be.  Those with strong balance sheets and fundamentals will survive this and we will all learn better habits in the process.  I truly believe that this is a good wake up call for everybody and hopefully we will all learn something from this.  How's that for making the best out of a bad situation?