We'd be in JAIL if we were caught...

managing a PYRAMID scheme. But that is what the largest creditors of this country have been doing for years. Lehman Brothers, Merrill Lynch, Bear Stearns, Fannie & Freddie...the banking regulations of this country have essentially remained the same as established after the Great Depression of '29. The biggest change has to take place in regulatory standards IMMEDIATELY! Oversight comes to mind also.