Ive been trying real hard to understand the causes of the current financial crisis. I even watched former president Bill Clinton explain it on the David Letterman Show, but despite Clintons efforts to simplify, my reaction was similar to Lettermans: It makes my head hurt.

For a while, it didnt seem that bad. Federal regulators running around on weekends trading and dissolving big names like Merrill Lynch and Lehman Brothers. But you know, down deep, that one day before long the music is going to stop and there will be a tab.

The initial tab, were told, is $700 billionreally kind of a shot in the dark because they dont know how much bad debt is out there. So I take that to mean $700 billion is more likely a down payment, a deposit, if you will, before we get the real tab.

The problem, they tell us, is that so-called toxic loans have contaminated the entire financial system. And, indeed, much of the financial system is paralyzedloans not being made, money market funds teetering on the edge, states and municipalities unable to float bonds.

Now, Im getting this same queasy feeling trying to make sense out of this Chinese dairy scandal. Regulators running around, pardon the pun, like in a Chinese fire drill, and the damn thing just gets bigger and scarier. Its not only baby formula in China and 53,000 kids who are sick, which would be horrendous enough. Now were learning its Pizza Hut cheese in Taiwan, cookies in Macao, White Rabbit Creamy Candy all around Asia, and (horror of horrors) instant coffee and tea in the U.S.all contaminated.

Just like in the financial crisis, you know we havent heard the end of the story. Even knowing germ lawyer Bill Marler has been to China (great new market, it would seem) doesnt make me feel much better.

Arent we dealing with similar problems in the financial and food crises? On the financial side, balance sheets filled with questionable loan instruments that have been packaged and re-packaged so many times no one knows where anything originatedand on the food side, products filled with questionable ingredients that have traveled so far and through so many hands no one can begin to figure out where they came from. Systems based on scale and greed rather than on basic human values. Regulators arrogant in their power, who descend on tiny dairies for producing unpasteurized milk because these dairies might muck up the real systemwhile that real system is poisoned in endless small and large ways.

The main alternative people have to survive both the financial and food crises is to seek out old-time alternatives. For financial safety, that probably means things like gold and silver. For food, it means growing your own or buying from small producers and farmers markets, where you are as close as possible to the source.

Are systemic collapses closer than we think?