"They" being the general public, and "you" being you, a representative of the general public.
Here's a graphic from a Cato institute survey of peoples attitudes on the topic of financial regulation.
The article is well worth reading and I note that a lot of mistaken ideas are laid at the feet of inadequate economic education. With a minimal exposure to the basics of economics, a lot of the "crises" would be eliminated before they even had a chance to get started. OTOH, the education system, being primarily controlled by Marxists, would be in a position to fail us horribly by teaching that when properly run, socialism works.