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This I believe is a product of short term profit, reward to the shareholders, options awarded to executives first, ( plus in some cases bolstered by the LLC (limitedLiability Companies) status), that come before those of their customers. Of course if it goes wrong (or spotted), the too big to fail & important stratigic home industry card is played to the government! So you still loose! What do I think about the USA having a free market? A good idea! ( apologies to Gandi).