Some people are in positions of power, and when incentives go haywire, we are all human and it's easy to make mistakes. I am not saying everybody is Bernie Madoff.
My dad used to sell a type of commodity contract. It was so complicated, he was certain his sales people didn't understand what they were selling.
I think that people need to become more educated about money. We need to stop creating systems that benefit only the most-cutthroat sharks.