The crisis has already made its correctives: people can not splash out on the items that they consider non-essential. These are almost all so to say luxury goods that can be bought anywhere but nowadays people won’t be ready to buy them as they fear that they will be out of money the next day as no one is sure about the dollar rate. No one is sure about American banks and no one believes them anymore since the last year when more than 200 banks went bankrupt and people lost their money. The financial system in the USA is practially in a collapse situation when payday cash loans that could always be accessible are now restricted and no one knows if he or she are liable to get these loans. The same can be said about signature loans. The restriction put up by the majority of banks is the inability to to pay out the loans by the previous borrowers. But this is not the only reason as any bank that is able to give loans has a special fund or at least a share in such a fund that helps to refinance the losses in such situations. But unfortunately at the moment just several banks in the United States have shares in the Federal Banking Fund and if a bank goes bankrupt the assets and the share will be divided between its depositors and investors.