I'm not an expert on the mortgage crisis. I've had a lot of experience over the years "fudging the numbers" in the real estate sector but that was before I became a web developer and, thereby, an upstanding example of responsible personal economic behavior.
I am an expert on Matrix Management though. Unfortunately, I have lots, and lots, and lots of experience there.
My recommendation..... If any of the big shots at your company say that they are switching to "Matrix Management" just polish up the old resume and start looking for a job elsewhere.