Except that it is not “one idiot taking this gamble” that can have a massive impact. The second and eventually third tier idiots are the banks and the governmen

Except that it is not “one idiot taking this gamble” that can have a massive impact. The second and eventually third tier idiots are the banks and the government/people for allowing the concept of “too big to fail” to exist. An additional layer of idiots are the central banks that incentivise all of this by kicking the can down the road.