There is a great Planet Money episode that covers this: https://www.npr.org/sections/money/2017/06/30/535062249/episode-781-the-money-fixers https://www.npr.org

There is a great Planet Money episode that covers this: https://www.npr.org/sections/money/2017/06/30/535062249/episode-781-the-money-fixers https://www.npr.org/sections/money/2017/06/30/535062249/epis...