No, it is not hard to understand. It is simply that many in the government do not want us to understand it so that they can take this oppurtunity to pass liberal tax and spend policies. We just saw it in a $1,000,000,000,000 'stimulus' bill, a $700,000,000,000 bank take-over plan, a $450,000,000,000 omnibus bill, and Lord knows how much more to the likes of AIG and Citi, who is currently profitable, btw. (Why exactly do you need a bailout if you are turning a profit?) Soon we will see it with a health-care bill, another stimulus, and more money and regulations for banks.
We (Reagan) solved similar problems less than thirty years using basic free market principles. The formula is simple. Get the government out of the banks. Give them less restrictions and the freedom to give credit as they see fit. Rescind all capital gains taxes on new investment for 1-2 years, then slowly bring it back up to a peak of 10% or so. Lower the ridiculously high corporate tax rate, which is second in the developed world only to Japan (who's economy is just wondrous), to a level close to Ireland's 12.5%, and remove it completely in all instances that it results in double taxation (first on the corporation, then on the shareholder).
Finally, drastic cuts to Federal spending will be needed. This will be done regardless. We just as well do it now while we have the choice instead of waiting until it is forced upon us when we go bankrupt.
If the president were to come out and start putting the pieces in place to advance this agenda, we could very easily see the markets double from their recent lows within one year.