Thanks for not beating around the bush. You are right. I worked very hard to call out fraud and rule breaking and put people in jail for the 2008 fallout, and saw only a few go to jail. One man was immediately released because he was deemed non-violent, although he stole millions. I made the comment on this platform before, and will say it again: several years ago a bank president made a comment that bothered me but has a lot of truth to it, that if you take all the money in the world and redistribute evenly, in a few years it will end up back in the same hands as it is now. The effect of capitalism and unchecked compounding interest has the effect of grouping wealth into a few hands. There are solutions, but implementation and changing the financial system isn’t easy.