On balance, the eminently imperfect financial-reform bill passed by the Senate last week and the House last month is good news. A Bureau of Consumer Financial Protection should help, as should provisions that make it harder to be a predator lender. And more transparency is always welcome. What it might mitigate, but won’t fix, however, are key underlining causes of the financial crisis: stupidity, greed and a casino culture. The human condition meets the free enterprise system.