there's another way to think of it (without really ignoring the role
of the government, moral hazard, adverse selection, etc.) Okay, there
are a lot of bankers and quasi-bankers who got involved in the massive
speculative bubble that characterized US and many world financial
markets up to 2006 or so. The big problem is usually that end of the
bubble is like a game of musical chairs (cf. Keynes). You don't want
to sit down too early or too late. "Too late" means that you get
caught in the rush for the chairs when asset prices are falling
drastically.

The thing is that bankers and their ilk have a tremendous inside
advantage. They can give themselves massive salaries and bonuses
_after_ the music has stopped, after they _know_ it has stopped. They
can profit big time even though they're getting out late. Not only
that, but our friends Henry P. and Tim G. give them a sop.
-- 
Jim Devine / "Segui il tuo corso, e lascia dir le genti." (Go your own
way and let people talk.) -- Karl, paraphrasing Dante.
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