You make an interesting counterpoint. I was assuming the person led themselves to buying shares of their own free will and not enticed by a bank or other power

You make an interesting counterpoint. I was assuming the person led themselves to buying shares of their own free will and not enticed by a bank or other power with malicious intent. I think in your example the banks should really have been punished more as it was their doing that caused the crisis by misleading millions of people.