If you still have no idea why our world is in a financial crisis here's a video from Crisis of Credit that explains the story in a informative and visualized presentation.
The Crisis of Credit Visualized from Jonathan Jarvis on Vimeo.
Always remember that when risk is not manage and when greed creeps in the likelihood of collapse is greater. It is each and everyone's responsibility to make sure that the financial system is strong. Invest in the right companies, save for emergencies, and still spend on basic needs to keep money flowing in cycle. When one stops and hoards money others will be affected.
Invest wisely and spend wisely as well.