First you are missing everything.
As an entrepreneur and having been involved in helping others start businesses, self control has never been the reason. Education and risk tolerance are the two limiting factors that limit this action.
Second, if you do not think white supremacy is evil in at least conflicting with the founding principles of this country, then what is your definition of government evil for America? A leader that condones sexual harassment? A leader that is working with Russian intelligence operatives to assist in getting elected and change our policy for $10B is payment. Appointing ex-Goldman Sachs people to regulate Wall Street, dismantling Dodd frank to promote growth at the expense of letting banks create another crisis and with the tech developed now for trading god help us because their capabilities are way more potent then what caused the previous crisis, eliminating the fiduciary rule which made it legally required that investment firms manage your money for your best interests (they don’t have to now and studies have shown that this conflict of interest which I have seen first hand and heard second hand many times as routine can reduce retirement savings 25%), policy is based on making trump money from the Russians to the pipeline that he owns stock in the companies doing those endeavors. National security two WH people have had their accounts hacked and the president is examining secret documents regarding N. Korea at a public setting by the light of cell phones. The security agencies have been directed to only actively monitor Muslim terrorists and so the others are ignored, one state agency monitoring these things in the south said they had seen almost a double of these groups activity in the few weeks since this happened, with the current situation affecting Jewish and minorities so far, which should be unacceptable but is overlooked by the openly white supremacists now in the government. These and many other things as an American, I consider are as you say evil and have already happened. If you don’t know or dispute then you are not looking closely enough.
Third, I banks push things. Whether it’s fees from transactions or kick back based, that’s how they make their money. It is typically bundled together in retirement accounts so transparency can’t see without really digging and nobody does because if they were to spend that much time on it they would manage their own accounts. These people act as your investment fiduciary, which is why they are trusted to invest your money, but if a company with a higher than acceptable risk profile is doing pipe financing and offering 15% of the raise as a kick back it will get picked up because that is a lot of money for their firm and makes their bonus.
Fourth, the above example is common place, which I have always felt is unscrupulous. I got out when I became aware that terms on material documents were changed after they were signed, causing a trip to the emergency room for me over the stress. This level and types of behavior are rewarded, that is the root of the financial crisis. Remember all the banks were involved plus many other companies.
