Mortgages made over the last 10 years to subprime borrowers (poor credit o that might not be able to repay); growth over the years causing the housing crisis this exposed big mistakes in our financial institutions.
Financial institutions in 10 years will evolve dramatically from the ones we have as of right now thanks to financial technology (financial progress). Financial inventions also involve experimentation (no body knows if it will work or what will work). Once an invention is seem to work it is rapidly copied around the world. Something that seems will work; in the real world it probably wont and something that seems impossible actually does work.