It goes beyond our political system. Our culture as a whole has evolved to a unsustainable financial system. Even if we get the perfect political representative in office there will be nothing they can do to prevent another financial crisis unless they make people bite the bullet and become more self-sufficient.
The fact is our country ,as it stands now ,survives off the poor staying poor. We need for a large part of the population to borrow money. If people actually paid cash for everything and saved money in regular savings account,the US would go bankrupt.
I mean seriously, people are financing furniture and appliances, education ( and in some cases K-12 education) and healthcare, while investing their retirements in accounts they don't understand. We have several finacial bubbles on the horizon, some closer than others. If Oil drops to $45 a barrel the Middle East is done which would send us into a tail spin as well.
We seriously need a complete overhaul!
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