Many financial industry analysts are bearish on the oil industry right now. I'm not sure they're right, as I note below, but I also think it's important to recognize that financial market impact of oil price fluctuations is not the only impact U.S. oil production has on markets generally.

One thing I want to make clear at the outset, though, is that I am not a financial analyst, or an economist (as I have previously noted). My comments here are reactions to things analysts are saying based on my experience researching U.S. shale oil markets and activity, as well as the U.S. transportation sector in recent years.  My thoughts are related to my expectations for how I think the companies and people in the industry are likely to react, and reflect my hope that financial market changes don't negatively impact other essential planning, in areas related to health, safety, and the environment, the industry desperately needs.

Back to the market predictions:  Goldman Sachs and some other analysts see the oil sector as over saturated and anticipate continued supply gluts to keep prices down.  According to a report from Goldman analysts, U.S. price indicator West Texas Intermediate (WTI) crude will fall to $75 a barrel and Brent crude is expected to be at $85 a barrel in the first quarter of 2015. That would be a $15 per barrel discount from the last such report.  

In accord is Jim Cramer, of MSNBC fame, who says, "This is uniquely a perfect storm against oil." Several others see an OPEC "price war" with some saying oil is teetering on the brink of collapse.  I'm even less sure that's right, in part because of where Jim Cramer comes out on this. (I'm not a huge fan of his advice or style, but for those who don't know, I'll let Jon Stewart catch you up on that here.)  I don't see a "perfect storm" or even much more than a "light shower" coming in the oil sector from pricing or demand problems.

I'm not alone.  Others see this recent price dip as real, but short lived. Dan Dicker, president of money manager MercBloc, sees oil prices increasing within the next two years going up to $125 per barrel or even $140.  Dicker called the pricing a "Mirage." (I think these predictions are a bit bold in the other direction, too, as I expect to some fluctuation but think prices will reside mostly north of $85-$90 barrel, then increase into the $100s. Again, though, remember this is a law professor's opinion.) 

Though I am sure he is not alone, Jim Cramer is the one person I have seen suggesting that a U.S. oil slowdown is likely, at least if oil prices drop to $70 a barrel.  Possible, but I still don't see it.  As I have suggested elsewhere, I don't think the price of oil, which is largely a global price, will drop to a point where it is not profitable to oil companies.   Obviously the price can (and will) fluctuate, and the reality is that oil demand increases and decreases, but it has a higher baseline than I think some people are appreciating.  

For years we heard about Peak Oil and the end of oil, but what we were really seeing was the end of really cheap oil.  As the recent shale boom has demonstrated, there's plenty of oil available at the right price. The current price dip, I think, just an indication that supply is more abundant than expected, but not that the oil market is about to crater. Thus, perhaps we will see a slowing of the rate of new drilling activity, but I don't see an actual slowdown in growth in the sector — just in the rate of growth. 

Historically, we've had other ways to deal with price drops, too. The Complete Idiot's Guide to Options And Futures, 2nd EditionBy Scott Barrie, repeats the old trader's adage, "the best cure for low prices is low prices," and "the best cure for high prices is high prices." Low oil prices in the 1990s helped lead the way for the boom of SUVs. Before that, in the 1970s, companies like Honda and Toyota made their way into the U.S. market with their fuel-efficient vehicles following the oil embargo and high gas prices.  Unlike when those market changes occurred, though, we have a full complement of both SUV and hybrids available to take advantage of price changes in the relatively near term when gas prices change.  

Ultimately, if stock price is why people care about oil prices and production in the United States, it's entirely possible the bears are right that company valuations will come down in the near term. In the mid to long term, though, oil production is going to at least stay steady. As such, regardless of the market impact of the oil boom, oil will continue to flow, which will mean it will continue to need transportation.  Therefore, it's important that we assess safety risks for infrastructure improvements, such as oil and gas pipelines, that can improve safety in areas that like rail and trucking, which are currently being taxed by the current level of oil and gas development in the country. In addition, a potential slowing of growth rates does not mean that other environmental and social challenges will go away soon.

Of course it makes sense to plan for a financial future and predicting how oil will fare in the coming months is part of the analysis for some.  But changes in market expectations don't quickly, or necessarily significantly, impact the real world experience for those in affected areas.  Frankly, a slow down in growth rates likely would be welcome in many areas experiencing the oil boom, but a slow down doesn't mean the work necessary to maximize economic opportunity, minimize environmental harm, boost social conditions, and improve safety can come to an end.  It might simply be a chance for impacted areas to catch up before the next boom begins (or this one continues).  We shouldn't miss that chance.