This post appeared earlier today on RealMoney. Click here for a free trial, and enjoy incisive commentary all day, every day.

It almost feels like financial terrorism. It feels like we are in a moment where there are institutions that are willing the destruction of our banks, institutions that want the nation's financial system to fail. I have no evidence of any of this, honestly, and I have canvassed enough short-sellers today to be able to say that I do not know one of them at this point who wants our financial system to be destroyed for his or her own profit.

I have no facts, no understanding of the situation that would ever for a moment be able to explain what's going on.

I literally am searching for a reason why this is all happening and why people believe that a failure of a

Goldman Sachs

(GS) - Get Report

or a

Morgan Stanley

(MS) - Get Report

can actually occur, given how well they are doing. But I will tell you ahead of time that any investigation at this point of the selling in these firms might prove that it is motivated by more than just typical short-selling.

Still, I believe it is imperative to point out the non-terrorist causes, if only because I don't want to believe that there are others at work trying to bring the U.S. financial system down.

First, all of these firms took on too much debt, even Morgan Stanley and Goldman Sachs, to make loans to all sorts of players. Many of those loans are being repaid, in fact almost all of them. They are current.

Second, when the government seized the common stocks of Fannie Mae and Freddie Mac, it did unleash a view that common stocks of even the best financial institutions -- and Fannie and Freddie were hardly the best -- could never be trusted.

Third, if it didn't have tangible assets and just relied on confidence and faith, which is the nature of a financial institution, the faith has been destroyed by the subsequent Lehman and

AIG

(AIG) - Get Report

failures.

All of these could very well amount to reasons for Morgan Stanley and Goldman Sachs to fail. But I don't think they do.

Should they be "allowed" to fail simply because of a temporary loss of faith?

I don't think so.

My conclusion: I believe that fear can destroy many stocks, but this selling feels motivational and

not

done by those who sell short stocks as a way of living. I sure would like to be able to see who is selling these stocks in order to take financial terrorism off the table.

At the time of publication, Cramer was long Goldman Sachs and Morgan Stanley.

Jim Cramer is a director and co-founder of TheStreet.com. He contributes daily market commentary for TheStreet.com's sites and serves as an adviser to the company's CEO. Outside contributing columnists for TheStreet.com and RealMoney.com, including Cramer, may, from time to time, write about stocks in which they have a position. In such cases, appropriate disclosure is made. To see his personal portfolio and find out what trades Cramer will make before he makes them, sign up for

Action Alerts PLUS. Watch Cramer on "Mad Money" weeknights on CNBC. To order Cramer's newest book -- "Jim Cramer's Stay Mad for Life: Get Rich, Stay Rich (Make Your Kids Even Richer),"

click here. Click

here to order "Mad Money: Watch TV, Get Rich," click

here to order "Real Money: Sane Investing in an Insane World," click

here to get "You Got Screwed!" and click

here for Cramer's autobiography, "Confessions of a Street Addict." While he cannot provide personalized investment advice or recommendations, he appreciates your feedback and invites you to send comments by

clicking here.

TheStreet.com has a revenue-sharing relationship with Amazon.com under which it receives a portion of the revenue from Amazon.com purchases by customers directed there from TheStreet.com.