what is the organic theory ? how does it operate?

The financial crisis that started in the summer of 2007 and intensified in September 2008 has remade Wall Street. A number of financial giants in USA such as Bear Stearns and Lehman Brothers have either disappeared or been rescued through large government bailouts. Discuss the causes/reasons of the global financial crisis that began in 2008 in USA and spread from the USA to the rest of the world. How do you think that the use of derivatives can be benefit from such extreme loss