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The events which led up to the downfall of the Savings and Loan industry can be seen as a direct result of budget cuts, staff cuts, and under funding of the bureaucracies created to carry out the law. As can be seen from the S&L debacle, bureaucracies are now an essential and much needed part of our American governmental structure. Bureaucracy, and bureaucrats are often times looked at as the inhibitors of our actions, and they are perceived as a necessary struggle. And finally, as long as the American Public continues to act in a manor which is not consistently honest and wise; there is, and will continue to be a large role for bureaucracies in public administration.

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