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Cramer: Wouldn't It Be Nice...

(Click for video linked to a searchable transcript of this Mad Money segment)

In a perfect world, there would be flashing lights and sirens.

But the world of finance is a long way from perfect.

And actions taken by the government that trigger significant weakness in the market often come from left field, and in the process regular investors are harmed.

"How great would it have been if Ben Bernanke in one of his myriad speeches had simply said 'you know what, those who are reaching for yield are going to get stung.'

But he didn't.

Therefore individual investors who used hard-earned savings to buy and hold dividend yielding stocks because return was nowhere else to be found – got burned as greedy Wall Street pros bid those stocks to unsustainable levels.

What a shame.

Adam Jeffery | CNBC

Therefore Cramer added you shouldn't expect, Mary Jo White, the head of the SEC, to say that despite a New York Times article that insists Wall Street firms will no longer be able to settle cases without admitting guilt – the SEC isn't going to implement sweeping new regulations that actively protect individual investors.

And he said don't look for Gary Gensler, the head of the Commodities Futures Trading Commission to give a speech saying that investors who buy newfangled collateralized debt obligations could get hurt if they do.

Don't look for any of that.

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"They're not going to protect individuals from the shenanigans and the foolishness that happens on Wall Street," Cramer said.

Therefore, Cramer believes individual investors must be vigilant and regularly scour the market for changing information and then make prudent decisions, accordingly.

Cramer believe the playing field should be level for all investors, and right now he fears that it favors big money. "I wish, for once, they'd just spell things out," Cramer added. "Wouldn't that be nice?"

Call Cramer: 1-800-743-CNBC

Questions for Cramer? madmoney@cnbc.com

Questions, comments, suggestions for the "Mad Money" website? madcap@cnbc.com

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