Not doing anything is an action just as well. You ask then what. I ask then what without? I don't mean this as a trap, it's a pretty binary proposition so the question isn't whether to take a third option but whether either has advantages. That aside I don't believe that any complex problem ever comes down to a single solution. It might seem like it. Revolutions, strong personalities, etc. popular history is in love with the single mover trope, whether it's an event or a person. I however see those as results of gradual buildups. Just look at the right-shift in US politics. Each succesive genration of politicians was just a little bit more conservative. And now a democratic president is uncomfortably close to Nixon in more than a single area. I believe a similar shift away from "financial realities" is possible as well. It's not a satisfing answer but it's how, as far as I can tell, any progress is ever made. Hopefully in 50 years we can have a "defining" event that it can all be atributed to too.