Sometimes people ask me what this financial crisis is all about.

In a word: confidence.

It's about confidence.

The confidence of lenders to lend, and borrowers to borrow.

The confidence of shoppers to shop, and retailers to hire folks because they will shop.

It's about homebuyers feeling confident to look at homes, and home builders feeling confident to then build homes.

Trouble is folks are not confident.

Lenders get money, but won't lend.

Borrowers have money, but won't buy.

And homebuyers see value, but won't budge.

This stuff happens when stuff keeps happening.

When bailouts keep coming but no one's keeping track of what they're costing.

When rescues are rescued from themselves.

When the smartest people in the world keep re-writing the very bailout rules intended to save the world.

So we all ask, what in the world?

And we don't budge.

We don't buy.

We don't borrow.

We don't do anything.

We sit. And we wait. And we watch. And we worry.

About leaders who can't seem to lead.

And regulators who can't seem to regulate.

About rescues that have no rules.

And bailouts that have no conditions.

Auto companies get a pass for being incompetent.

Banks a pass for being indifferent.

We seem to intrinsically realize throwing money at a problem doesn't solve the problem.

Yet we've lost confidence in our leaders because they have no problem with this problem.

So they make the problem greater, and costlier, on our dime.

And they wonder why we refuse to spend that dime.

It's a wonder they wonder why at all.

Watch Neil Cavuto weekdays at 4 p.m. ET on "Your World with Cavuto" and send your comments to cavuto@foxnews.com

Neil Cavuto serves as senior vice president, anchor and managing editor for both FOX News Channel (FNC) and FOX Business Network (FBN). He is anchor of FNC's Your World with Cavuto - the number one rated cable news program for the 4 p.m. timeslot - as well as the FNC Saturday show Cavuto on Business. He also hosts Cavuto on FBN weeknights at 8 p.m. In addition to anchoring daily programs and breaking news specials on FNC and FBN, Cavuto oversees business news content for both networks and FNC's weekend business shows, including Bulls & Bears, Forbes on Fox, and Cashin' In. Click here for more on Neil Cavuto.