> I just think it's completely unrealistic on multiple fronts: Somehow, it's always unrealistic, and somehow, these scenarios always repeat. > it's a tiny fra

> I just think it's completely unrealistic on multiple fronts: Somehow, it's always unrealistic, and somehow, these scenarios always repeat. > it's a tiny fraction of the money, No, allowing people to steal is a moral hazard no matter how much money it is. Suppose I steal a $1000 TV from WalMart, and use the argument that this is a tiny fraction of their profits. No one would buy that. So why should we buy that when it's orders of magnitude more money?