Experts, experts - get your experts!

I'm intrigued by the fact that everyone else is an expert on the economy (& the effectiveness of the free market and such), but as an economics student I have no idea. Sure, I have various prejudices and suspicions, but in actually arguing something, I'd hardly know where to start. What caused the financial crisis - lack of govt regulation or over-regulation?? Many people making bold claims about this don't seem to even be aware that the alternate possibility is being seriously suggested.

I'm the last person to help out here. And I will very soon have a degree in this stuff, more or less.

God help us all.