Economist Alan Madian is an economist, management consultant, and investment banker. Madian: We have an insolvency problem, and it is not a liquidity problem. The Obama Administration needs to be more explicit about what they are going to do, he says. He says Congress is not yet ready to follow them. The economy needs the trust in the banks and consumers to recover, Madian says. The government is going to have significant additional government ownership of the major banks, the major money center banks.”]