Sublime

The government released a list of more than thirteen thousand past and present Madoff account holders, ranging from hundreds of not very rich Florida retirees to celebrities, billionaires, and nonprofits such as charities and universities. If these legions of investors were easily gulled, often for decades, what does this swindle (and others) say a

2. Low interest rates and the intentional birth of the American consumer.

class privilege,

mortgage brokers who cater to the poor are often more interested in making a quick buck. So,

under 2,000 pounds and under $2,000”—were

volunteer services.3