Yes but remember 2008? All those loans that turned out to be sub-prime? All those complex risk products no one really understood? So, instead of Indian SWEs an

Yes but remember 2008? All those loans that turned out to be sub-prime? All those complex risk products no one really understood? So, instead of Indian SWEs and 3rd sons of teachers you thought you were investing in for grad school, you're paying people to be swindled at Trump University and indentured training for long haul trucking. Meanwhile the YC30 talent bonds were sold to a select group of connected investors, and pension funds bought job lots of Invisalign techs from brokers making a steady commission.