The whole government is a Ponzi scheme.
The nature of any human being, certainly anyone on Wall Street, is 'the better deal you give the customer, the worse deal it is for you'.
In today's regulatory environment, it's virtually impossible to violate rules.
All one great big lie.
Wall Street is one big turf war. By benefiting one person you are disadvantaging another person.
It's a proprietary strategy. I can't go into it in great detail.