[henry quirk]

"So scams are fine?...Really??"

I didn't say scams were 'fine'.

But scams happen all the time...and many (perhaps, most) are legal.

Buyer beware.

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"I think you're just spouting here, quirk"

Probably.

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"The people harmed by the transaction had no say."

I imagine each had the choice, from the beginning, of whether or not to transact with the particular institution.

Again: Buyer beware.