Many good comapanies, partuicularly the small businesses that are out there are about to fail because their credit lines are already frozen. They will have to dip into their own reserves to pay salaries, and once their savings are drained they will lay off employees. Shortly after that they will be out of business. I have already had this discussion with one small business owner who has had all lines of credit frozen for them, and the company has never even had a single late payment on their business loans. The government has no control over any of this, they gave the control to the Federal Reserve.