We still haven’t felt the full wrath of the ghost of 2008. There is still more to pay. Many of us of course already have paid dearly, but the banking system has not paid the way it must. Which means that WE, the non-bankers will pay again.
Keeping powder dry is always smart, if possible. It’s not for many Americans. Which makes any potential crash highly destabilizing. Then add in the current political risk in the USA.
Watch Puerto Rico.