Apologists for this system will say that you don't have to be good at stocks - you just have to pay an #IndependentFinancialAdvisor to pick the stocks for you and you'll be fine. But IFAs don't work for free! What if you can't afford one?

Enter #PredatoryInclusion - the practice of offering scammy, overpriced and substandard products to poor people and declaring it to be a good deed, because otherwise, those poor people would have to do without.

6/