The economic turmoil we have seen in recent weeks has a lot of people scared. The fires are being fueled by any number of doom-and-gloom pundits and well as government officials, up to and including the president, who predict dire scenarios in the coming months if the proposed federal bailout of Wall Street doesn’t go through.

And we must admit things look grim. We have already seen the fall and sale of Bear Stearns, Lehman Brothers, Washington Mutual and Wachovia. Merrill Lynch was sold to Bank of America to head off anything dire. And Washington has had to shore up the giant insu...

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