Banks are a terrible investment. To get above average rate of growth they have to do something risky like lending too much to people they shouldnt be lending t

Banks are a terrible investment. To get above average rate of growth they have to do something risky like lending too much to people they shouldnt be lending to or playing timing games with assets and liabilites. With the bonuses to their staff exceeding returns to shareholders its seems that banks are configured for their senior staffs benefit rather than their owners.