If you're a WaMu banking customer, your bank failed last night. Don't worry, you're now Chase customers. This is just one of the ways that the major financial crisis we're in is impacting you. We were going to suspend blogging until the crisis was worked out, but Ray threatened a liquidity crunch if we tried. Our good friend UDMAN points out that, if we don't get a major bailout, credit could dry up soon. Given that few people purchase cars, motorcycles, recreational vehicles or any other vehicles with cash, how is this going to impact the automotive landscape? Things aren't exactly great for people selling new cars, and the inability to secure credit for new buyers would severely hamper dealerships' ability to sell cars (and consumers' ability to buy them). One of the major causes of the largest Chevy dealer folding was the suspension of GMAC credit two weeks prior to the collapse. It could be bad. But how bad? Are we all Chicken Littles exclaiming "the market is folding!" or are we canaries on our last breath, warning of impending doom? (QOTD is your chance to answer the day's most pressing automotive questions and experience the opinions of the insightful insiders, practicing pundits and gleeful gearheads that make up the Jalopnik commentariat. If you've got a suggestion for a good "Question Of The Day" send an email to tips at jalopnik dot com.) [Photo: NICHOLAS ROBERTS/AFP/Getty Images]