If things are so complex that someone can lose their money through an intricate set of rules, that's exactly the type of scummy behavior that we are talking abo

If things are so complex that someone can lose their money through an intricate set of rules, that's exactly the type of scummy behavior that we are talking about. It's not a matter of "whose" fault it is, but rather that a faceless group benefit from this type of behavior, and it is so complex that it is nearly impossible to avoid. And there are no consequences. Sometimes, it's a computer responsible for the decision. These would not be so lightly regarded if someone had true consequences for this behavior. It turns into a complete lack of societal trust, something that people in turn are taken advantage by.