#1 in my list is always that butterfly in the Pacific. Hindsight is always 20/20, prediction 0/0. A few dozen small unrelated events probably cause crashes in IMO, not one or two big ones.

There are many changes in the economy that will make the crash fast and severe. That's the article I think you should write. Starting with the fact that the Fed is more than a regulator of banks, it has become THE biggest bank itself.

When those small events click, there are fewer safety valves and too much concentration in everything. Nothing to take up the slack.