Tapped out

Some financial wizards say that as many as 150 of the nation’s 7,500 banks could fail in the next 12-18 months.

This, of course, is after IndyMac cratered in California, leading to the kind of frantic bank run by worried depositors that hasn’t been seen since the Depression.

And, of course, these same financial wizards are nervously mentioning that the nation’s two largest mortgage finance companies, Fannie Mae and Freddie Mac, could be hanging by a thread too.

And General Motors — the mighty GM! — has been spending a lot of time lately insisting that it won’t go bankrupt.

So my question is this: If you can’t afford to buy gas for your SUV made by GM to go to your IndyMac bank before it is padlocked and withdraw the last of your savings to try to pay the mortgage on your home financed by Fannie Mae … are you:

A) Doomed.

B) Hopeless.

C) A typical American.

… Just wondering.