i feel like im growing out of baum's worldview. fraud is a very specific thing and no one went to jail over the GFE. whats more you can point at something and say 'this is a ponzi' and even the people who agree are going to go balls deep into it if they think they are early enough to turn a profit.
the solution is nationalized banks but no ones ready for that convo. yet.
ask again when powell gets replaced with mike the pillow guy and no one can move to take a new job and everyones children has to sleep in the same room.