"The Company of Strangers: A Natural History of Economic Life."

In the end there was a banking crisis because too many people placed too much faith [on] other people's judgement about risk, even though trusting other people's judgement about risk - up to a point - is exactly what the banking system allows us to do.

From the book: "The Company of Strangers: A Natural History of Economic Life." You can watch a very interesting video by the author.