I probably would have said the same thing if I didn't fully understand the underlying mechanics that the banks base their activities on and I only understood that after watching some of the well known documentaries about the subject over 5 times! The scam is so big that our 'scam detector' in our brains aren't callibrated to be able to take it all in!
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Scam detector not callibrated enough...well said LOL
You inspirated me to make article with that title. Thanks! :)