This is a load of crap. I guess there is no risk involved in investing any longer. You can just run to the government and have them bail your ass out if you screw up. Of course, everyone else who follows the rules and does everything the right way doesn't get that luxury so the message I'm getting is why follow the rules? Clearly irresponsible and reckless behavior is far more rewarding and less of a risk. Rewarding bad behavior only causes more of it.