You are too pessimistic for your own good. Corporate profits and cash are bigger and better than they ever have been. Though unemployment has been bad and will likely recover more slowly than usual, things are improving. This is the beginning of a bull market.
We could use a pullback and consolidation, but you doom and gloomers are about two years too late. The herd didn't see the crash of '08; and now the herd can ONLY see the crash of '08, rather than the recovery and bull market staring them in the face. The opportunity is on the long side.
I'm not saying you can't pick up some points here on the downside, but there is no market crash or house of cards to fall.