some of the problems people have suffered has been by their own incompetance and greed.
Must admit Bernard I have a problem squaring that one away, someone who has placed their trust in people acting on their behalf and who should be protecting the interest of their clients can hardly be accused of incompetent. As for greed who would not take advantage of some of the claims regarding capital growth etc. etc. Trusting and naive yes, incompetent and greedy no!