lol. Put in this way. I would not opine on sth i dont really have a clue.without a proper stock market. where is apple and microsoft? Even the concept of securitization is intend to lower the cost and better manage the risk. The bank like JPMorgan invent it did not get burned. it is the banks blindly follow it get burned. Finance does not kill ppl. Greedy kill ppl. The same as nuclear power plant & US riffle association.