It's very easy to derive a good business model from bad ethics. All business models derive from friction, right? We make money doing things for others that they

It's very easy to derive a good business model from bad ethics. All business models derive from friction, right? We make money doing things for others that they find difficult or unpleasant to do for themselves. The more difficult/unpleasant it is, the greater the potential value. Something that can make a task difficult or unpleasant is that task being unethical. Take for example an investment scheme that bilks the elderly out of their retirement savings. Technically, it's not difficult to do. Ethically, it's awful. So it's profitable because it's unethical. If robbing the elderly was ethical, a lot more people would do it, and there'd be a lot less money in it.