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In 2005, Raghu­ram Rajan said the finan­cial sys­tem was at risk of a cat­a­stroph­ic melt­down.” After stints at the I.M.F. and India’s cen­tral bank, he sees anoth­er poten­tial cri­sis — and he offers a solu­tion. Is it stronger gov­ern­ments? Freer mar­kets? Rajan’s answer: neither.