You're not wrong there. The bad actors still suck and ruin good companies and people's lives. I guess what I should have said it's the downside is limited in pr

You're not wrong there. The bad actors still suck and ruin good companies and people's lives. I guess what I should have said it's the downside is limited in private business, compared to a public agency where they not only can raise taxes to make up for the losses, in many cases they're basically compelled to. Like, you can't just close the police or fire department if they lost so much money that we can't afford to run them in the current budget, so they'll borrow - regardless of the interest cost - and saddle the grandchildren of the current taxpayers with the bill.