It's not just investment bankers that have an appetite for this. It's a human problem - greed, and short-term thinking. Given the right environment and rules, a

It's not just investment bankers that have an appetite for this. It's a human problem - greed, and short-term thinking. Given the right environment and rules, and most humans would act the same way. The key is to prevent that environment from flourishing. Don't give them so much leverage. If you got $100 million in the bank, don't freaking let them trade $1 billion. Don't let them loan $1 billion. If I ask for $100 million back today, you better give it back TODAY.. not tomorrow.. not next week.. NOW. The analogy in the internet world is SEO, and gaming the search engines.