Lehman Brothers. Merrill Lynch. AIG. Washington Mutual. Wachovia. Fannie Mae. Freddie Mac. It was one year ago this month that many of the world’s largest and oldest financial institutions crumbled under the weight of poor lending practices and mismanagement. The United States dollar was in free fall as these firms were either bankrupt, bought, or bailed out. A new U.N. report says fundamental problems still…