The 99-versus-1 frame is also extremely self-limiting. If you think all problems flow from a small sliver of American society, then all your solutions are going to be small, too. The policy proposals that have been floating around the Occupy Wall Street movement — a financial transfer tax, forgiveness for student loans — are marginal.

The Occupy Wall Street movement may look radical, but its members’ ideas are less radical than those you might hear at your average Rotary Club. Its members may hate capitalism. A third believe the U.S. is no better than Al Qaeda, according to a New York magazine survey, but since the left no longer believes in the nationalization of industry, these “radicals” really have no systemic reforms to fall back on.

They are not the only small thinkers. President Obama promises not to raise taxes on the bottom 98 percent. The Occupy-types celebrate the bottom 99 percent. Republicans promise not to raise taxes on the bottom 100 percent. Through these and other pledges, leaders of all three movements are hedging themselves in. They are severely limiting the scope of their proposed solutions.

The thing about the current moment is that the moderates in suits are much more radical than the pierced anarchists camping out on Wall Street or the Tea Party-types.

Look, for example, at a piece Matt Miller wrote for The Washington Post called “The Third Party Stump Speech We Need.” Miller is a former McKinsey consultant and Clinton staffer. But his ideas are much bigger than anything you hear from the protesters: slash corporate taxes and raise energy taxes, aggressively use market forces and public provisions to bring down health care costs; raise capital requirements for banks; require national service; balance the budget by 2018.

Other economists, for example, have revived the USA Tax, first introduced in 1995 by Senators Sam Nunn and Pete Domenici. This would replace the personal income and business tax regime with a code that allows unlimited deduction for personal savings and business investment. It’s a consumption tax through the back door, which would clean out loopholes and weaken lobbyists.

Don’t be fooled by the clichés of protest movements past. The most radical people today are the ones that look the most boring. It’s not about declaring war on some nefarious elite. It’s about changing behavior from top to bottom. Let’s occupy ourselves.