Blue collar workers aren't killing Detroit, white collar workers are. And since the entire service economy is built on white collar work, what happened in Detroit over the past thirty years and happened to banks in the last 10, will happen to everything else in the next three.

In fact, everything in the American economy is driven by service economy workers ("white collar workers"). But the model upon which this economy is built is broken. It is based on the unscalable heroics of artisan workers, who largely work outside the limelight. In the worst cases, they work outside any light at all. To prevent another industry meltdown, business leaders need a set of white-collar principles based on the bedrock of visibility.

While Congress debated over a historic bailout of the Big 3 car manufacturers everyone became an expert on what needs to change. According to one opinion in the Wall Street Journal the problems start with the big, bad unions and stop only if you can "gut" them. According to the Beltway folks, we're in this mess because the car manufacturers didn't produce enough hybrids or, in the vernacular, they "didn't build the cars America wanted."

Neither is right.

One of the three (Ford) is in demonstrably better shape than the other two, and it's no mystery why. Two years ago, when he took the reins of Ford, Alan Mulally identified two things that needed to change: parts costs have to go down, and engineering productivity must go up.