The brutal sell-off in financial stocks over the past couple of weeks smacks of the kind of real fear typically seen during the capitulation phase of bear markets. While the underlying problems that created this maelstrom are real, the market is behaving as if every domestic financial institution is at risk of failing--which is simply not true. What is needed is a George Bailey moment here where we are all reminded of the need to show some spine and work to restore stability and trust in the financial system that serves us all.