The fact that you cite the NY and Seattle times is not ad hominem at all. Again, if you were AT ALL open to basic economic principles, the inherently misaligned incentives in such organizations are enough to make anyone reasonably skeptic.
But herein lies the problem. You have your opinion, I'm not going to change it. At this point I no longer care. I attempted to point out some reasons as to why this scenario your convinced of is far from an inevitability. You present some admissible evidence of your claims, and I completely cease to take you seriously (which I had all
but done upon your initial post). That's fine man, have a great retirement. I've gone too far into it with you already. I'm not going to continue a discussion of economic forecasting with someone who cannot draw supply and demand curves without looking them up on wikipedia yet who has read a bunch of articles and has therefore gleaned the economic background and understanding to make such adamant predictions. I'm not claiming I have it all figured out, but that I have it a helluva lot more figured out than you.