Shutdown 2011: Really??

So we are all aware of the Fed shutdown looming upon us in about 75 minutes.  But is there really anything to be afraid of?  Let's look at the effects, in terms we all understand:

Benefits Package

• SSI - Benefits are still being paid.  In the process of applying?  It may take a few days longer.  Patience is a virtue.  And they already apparently have a huge backlog, anyway.  So you still have to wait in line. 
• Medicare - Benefits are still being paid.  Thank goodness for trust funds, I guess...
• NIH - the National Institute of Health won't be beginning any new clinical trials.  I'm not sure that's a bad thing, according to what I've heard about some trials.  They also won't be taking any new patients for a few days. 
• Welfare - Your benefits were already approved through September.  And I'm pretty sure the government will un-shutdown before then.

Money Matters

• IRS - If you haven't filed your tax return yet, shame on you.  W2s have been out since Jan 31.  Refunds are being delayed.  But, of course, if you owe, they will gladly accept and take your check.
• Mortgages - The Federal Housing Administration will not be issuing new mortgages right now. 
• Food Stamps - No need to worry until May.  You've already received your April benefits. 
• Banks - The FDIC insures all depositors up to a certain amount.  Uncle Sam's taking care of your money.  No need to hoard your cash underneath your mattress.  Yet.   

Miscellaneous

• Passports - This one's unclear.  Issuance of passports and/or visas could be delayed.  Or stopped.  But they don't know yet. 
• USPS - The postal service will continue to run as normal. 
• Military - They still earn money.  The receipt of their paychecks might be delayed...

The People who Refuse to Agree

• As far as I know, the members of Congress will still be receiving their full paychecks.  On time.  Do you see anything wrong with this picture?  The men and women overseas fighting in a war they didn't start may not be paid on time, but the people responsible for this "shutdown" will.  Priorities, anyone?

There are several other federal activities being minorly affected by this discord, but Congress will be paid.  How many incumbents do you foresee taking office again after this term?