Gosh all-rooney. If left alone (that is, unregulated) money-driven folks in the money-driving industries will make money at the expense of ethics and laws. Gosh all-rooney, when their behavior results in inflated asset-valuation and greed-driven practices, marketplace realities will eventually cause a crash. And here's the latest revelation: people who invest in securities do so not because they weigh asset value against risk (which might require reading a 200-page prospectus), but because of a herd mentality based on hype generated by the folks described in the first sentence hereof. How do I know this? Because a scholarly study tells me so.