The Occupy movement comes under frequent attack from the institutional Left (and, it goes without saying, from the liberal establishment) for not offering a clear list of official demands - for, in other words, not offering a platform.

But that criticism misses the point. Occupy doesn't have a single platform, in the sense of a list of demands. But it is a platform - a collaborative platform, like a wiki. Occupy isn't a unified movement with a single list of demands and an official leadership to state them. Rather, Occupy offers a toolkit and a brand name to a thousand different movements with their own agendas, their own goals, and their own demands - with only their hatred of Wall Street and the corporate state in common, and the Occupy brand as a source of strength and identity.

This time of year the classic film It's a Wonderful Life comes out of storage and is broadcast on TV, or pulled out of a video collection. In some places, including the Quad Cities, it will be shown in a theater. It's showing at the Galvin Fine Arts Center at St. Ambrose University on Saturday, December 18, at 1 p.m., with audience response encouraged.

As was typical with director Frank Capra's later films, it wasn't made primarily to be a blockbuster the way Hollywood films are often planned today. It was made so that Frank Capra could teach a few lessons. His later films always included morals.

One crucial lesson in It's a Wonderful Life is taught when Mr. Potter, the most powerful and intimidating man in Bedford Falls, offers George Bailey, his do-gooder nemesis, a job. Potter wants to destroy George's family-owned company, the Bailey Building & Loan. So driven by that most basic of sins - greed - Potter offers to make Bailey his paid lackey.

The spreading Occupy Wall Street movement, despite a vague worldview and agenda, properly senses that something is dreadfully wrong in America. The protesters vent their anger at the big financial institutions in New York's money district (as well as other big cities) for the housing and financial bubble, the resulting Great Recession, the virtual non-recovery, the threat of a second recession, and the long-term unemployment - which averages more than 9 percent but hits certain groups and areas far more severely than others.

The protest is understandable, even laudable, but there's something the protesters need to know: Wall Street couldn't have done it alone. The protesters' wrath should also be directed at the national government and its central bank, the Federal Reserve System, because it took the government or the Fed (or both) to:

• create barriers to entry, for the purpose of sheltering existing banks from competition and radical innovation;

• then regulate for the benefit of the privileged industry;

(Editor's note: A related commentary, "Wall Street Vs. Everybody," can be found here.)

Police Guard Wall Street Bull Duing Occupy Wall Street. [Photo by Jim Kiernan. More Occupy Wall Street photos available at his Flickr stream here: http://www.flickr.com/photos/jimkiernan/sets/72157627569399583/]

A lot of what you've probably seen or read about the #occupywallstreet action is wrong, especially if you're getting it on the Internet. The action started as an idea posted online, and word about it then spread and is still spreading, online. But what makes it really matter now is precisely that it is happening offline, in a physical, public space, live and in person. That's where the occupiers are assembling the rudiments of a movement.