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A company, pretty much by definition, acts in concert. Leading up to the 2007 financial collapse, major sectors of the banking and finance sectors were acting in concert to transact fraud, or were turning a blind eye to it in their own business. Individuals bringing the matter to light were at best ignored, if not disciplined.

Customers in aggregate do not act as a collective unit. If banks, mortgage brokers, and others are lying, encouraging lying, falsifying, and otherwise systematically subverting the system, the fault lies squarely with them.

Interesting business ethics you've got there. Remind me never to to business (or pleasure) with you.




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