Banks were rescued, companies were bailed out, laws were passed, and Fannie Mae and Freddie Mac were propped up, but ordinary Americans were left to sink or swim after the financial crisis, many commentators say. Some observers fear that the structural reforms needed to repair the underlying fault lines that caused the crisis have not been put into place and that the economy is vulnerable to future shocks. Financial experts note that while some reforms have been made, such as increasing capital reserve requirements at the largest financial institutions, many institutions are still "too big to fail" and subject to too much risk, making future government intervention possible. Financial advisers, meanwhile, are dealing with skittish clients who were scarred by the fallout.
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