I watched the film The Big Short again cos it was showing in the hotel room. I wrote about it before https://earlyretirementsg.weebly.com/blog/the-big-short And I felt all depressed all over again. And I wonder why I get depressed... So I thought more about it. And I came down to a couple of points. It's a complicated network of issues and a lack of responsibility of a lot of people. And it boils down to capitalism and specialization of skills and knowledge, and a lot of conflicts of interest in between. Most normal people just want to live their lives. So let's say the average person wants to do his own work, earn a lot of money, and live well and usually want to live in luxury. They want to do their own thing and not bother about other things which they aren't specialized in. So let's say, "the customer", the average worked, plumber, carpenter, shopkeeper, etc... They usually aren't...