For better or worse, those practices are already normalized. Average analyst at most FIs has good Google-fu skills and would likely be able to connect the dots

For better or worse, those practices are already normalized. Average analyst at most FIs has good Google-fu skills and would likely be able to connect the dots as described in the article. I think you are right about HN bias in this area. Heavens know I don't like it the same way I don't like cop porn. That said, it is hard to argue with your point.