Contrary to the praises of the French encyclopedists, as well as the opinion of many scientists and cultural figures who lived at different times and considered man to be the crown of creation, homo sapiens in itself is not ideal and, unfortunately, is moving further and further away from biblical standards. Nowadays, people consumed by the passion of consumerism are not always aware of what they are doing. After all, the modern crisis, as we know, was the result of cynical pragmatism, or rather, the greed of the leaders of banking corporations, which, in the pursuit of profit, irresponsibly provided loans to consumers unable to pay them, which exceeded all limits of elementary human greed. Senior financial officials hoped that house prices would rise and the loans would be repaid with their new values. However, their expectations were not met, the stock market was oversaturated, and house prices fell. People refused to pay, many so-called “toxic assets” accumulated on bank balance sheets, and many leading banks went bankrupt. The onset of the crisis was visible to the naked eye. But the governing structures of the Republican Party fanatically followed Smith's famous statement that the individual, guided by self-interest, necessarily contributes to the public good. Mortgage loans were getting cheaper before our eyes, everyone was buying them, and the volume of securities exceeded all conceivable and inconceivable limits. When the government intervened, the real estate market had already collapsed. It hit the real sector and engulfed the global financial system. One can, of course, say that moral norms have nothing to do with economics, and they themselves are conditional, artificial and even fictitious, but ethical issues are undoubtedly closely related to the solution of literally all life problems. There is no doubt that if there is no morality, then, to paraphrase the famous saying of Dostoevsky, everything is permitted. Keynes’s words have a similar meaning that market mechanisms are significantly influenced not only by rationally thinking individuals, but also by those who act under the influence of “Animal spirits”, i.e. animal instincts. Now this kind of zoological instincts are becoming the Achilles heel and even the main threat not only to the economy, but also to the achievements of the entire Western civilization. Therefore, one of the most important functions of state regulation is the task of taming the market an element that has run rampant beyond measure due to the immense and ever-increasing thirst for consumption. And yet, one should not succumb to pessimistic moods. Modern economic science makes it possible not only to accurately reproduce models and calculations to characterize existing processes, but also, by invading the sphere of psychology, to analyze the behavioral parameters of partners in the appropriate situation, determining their impact on the dynamics of markets. Therefore, there is hope that the state, guided by common sense and having sufficiently advanced mechanisms, will decisively suppress the “detrimental arrogance” and overly developed animal instincts of certain categories of citizens and ensure the stabilization of the macroeconomy.