Five years have passed since the Dow Jones Industrial Average fell nearly a 1,000 points in a matter of minutes, and we're still trying to understand what happened. In the months after the crash, regulators concluded it was due a variety of factors, in particular, the actions of one institutional trading firm.

But this month, Navinder Singh Sarao, an independent trader based in London, was arrested for manipulating the market that day in 2010. He's accused of "spoofing," or entering a series of fake requests into the market, effectively bluffing, and making other traders think the market is going up or down. He says he's done nothing wrong.

Meanwhile, regulators are behind schedule on one potential protection against wily markets and suggest that as the stock market becomes more complicated, they won't be able to keep up.

Money Talking Host Charlie Herman asks guests Rana Foroohar from Time Magazine and Heidi Moore from Mashable how the market could rest in the hands of one man -- and what, if anything, can be done to stop it from happening in the future.

And then the Hamburglar. What more is there to say?