News coverage of AIG bonuses, Bernie Madoff, CNBC's Jim Cramer and Treasury secretaries with ties to Wall Street has been relentless. Public confidence in banks, insurance companies, money managers and financial reporters has sunk to an all-time low. Searching for safe, reliable investments -- not dependent on government -- Americans bought 600 tons of gold last year, a 42% increase over the year before. The rest are stuck with a troubling question: who can you trust with the money you have left as the financial bloodbath continues? Is it time for consumers to go it alone?