I don't disagree, it is always a question of degree. One party sees a 'scam', the other a failure of the first party to do more diligence. Some see separating p

I don't disagree, it is always a question of degree. One party sees a 'scam', the other a failure of the first party to do more diligence. Some see separating poorly informed people from their money as a business, other see it as an injustice that needs to be corrected.