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Now extrapolate the very same blame game to guns, vaccines, immigrants and so on. This is how things work. No one takes responsibility. It's always either someone else, some abstract entity that has no specific person or an object. Computers are always great things to blame because few people understand them. Guns are great because guns remove responsibility from the person pulling the trigger to the object.

In finance, there's a thing called a derivative instrument. This suits the criminals perfectly because it's an abstract concept few people understand. People bet on these without any understanding of what the underlying net actually is. This mimics real life.