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  Was there not more money than there was need?
  Bankers then went all out to create the need and a vibrant market in need, lend the money, obtain the all-but-instant bonus and lounge around snug-cosy-smug waiting for the projected earning to roll in.
  Expertise went the way of the Mammoth at the introduction of electronic market-modelling. (whatever the correct term may be)
  -No business has the least right to spend huge sums on Advertising, Self Promotion and telephonic high-pressure selling and upon inevitable failure, chide their customers for buying-in to the schemes/scams.
  -Many of the money-market-Magi employed by Local Authorities;bonus driven yet again, found it all too easy to follow the highest prospective return, 'earned' their bonus and had their employer bailed-out as the house of cards fell apart.
  Many;most if not all, of the products in this market were poisonous. (A fact which is not entirely a matter of hind-sight.) In this, as with the selling of other tainted produce, the customer is the victim. The vendor;intentionally culpable or not, must carry the can.

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