As I said earlier ...
As for my comment to your post, there are two parts to that:
1. I'm kind of old fashioned when it comes to money and I don't think bankers ought to be out scamming people like used car salesmen. I guess I just have always held bankers to a higher standard than businessmen in general. Perhaps it comes from my own experience in the S&L business - before they got greedy.
2. My general belief about business is, When left to it's own devices business cannot and will not police itself. You've just confirmed that belief. Thank you.