Not too doom and gloom then F451.
I'd place money on none of what you say actually happening.
This time next year, short of some cataclysmic event, it will look much the same as it does now.
Housing will become more important on the political agenda. There won't be masses of RTB applications as people will not be able to afford them. Affordable rent will be suprisingly successful. Allocations changed will work and Bob Crow will finally be paying the rent he should have been paying for a long, long time.
Homelessness will likely increase due to the benefit cuts, but will fall off with more house building and a government policy to create new hostels from empty commercial premises.
Unemployment will fall and the economy will show signs of getting better, with marginal growth by the end of the year.
Lending will increase as banks start to take more riskier gambles again, and house building will increase along with the delivery of more affordable homes.
We will all be worse off with 12 months of wage freezes and inflation running at around 3-4%, and there will be many high street closures as people become sick of being ripped off on the high street constantly. Christmas, however, will still see people spending more than they have.
Obama will lose the election to Mitt Romney, not because Romney is a better candidate, but because Obama is a worse one. Of course the Democrats will acuse everyone of racism at that point.
Also the coalition will still be in place, but a few Lib Dems will desert it on principle, splitting the Lib Dems and causing even greater problems for them come the next election.
Far from being the new dark age, we will see the dawn of a better future, the rumblings of an increasing economy and the whiff of the beginning of a recovery.
Lets see in 12 months who's right!