> or a vague suspicion I see the people who caused the crisis walking around freely having paid no price for their actions whatsoever. There's nothing "vague"

> or a vague suspicion I see the people who caused the crisis walking around freely having paid no price for their actions whatsoever. There's nothing "vague" about my suspicion. The government has a responsibility to maintain confidence in markets. They utterly failed in my view so myself and anyone else holding this suspicion are completely correct to do so. I also get the feeling that insiders front run the market, stealing gains from us, I also get the feeling that most of the volume in the market is driven by people who are not "in it" with me to "earn a retirement" but are instead in a mad dash to grab every lose cent and percentage point on a transaction fee that they can get their hands on. Uncritically moving the average American over to a 401k was never a smart move as this entire sordid disaster was an obvious outcome given the lax regulatory environment in which the decision was made.