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  1. @hbowie I agree with you in that it is a false dichotomy between the two extremes. The free market is fine, but there should be some safeguards to stop people from getting into that much trouble. In Financial Services, there are rules around making sure that sophisticated products are sold to people who can be reasonably proved to be sophisticated investors. I lived in the US for a year a couple of decades ago and one observation I had was that when compared to the UK, things are much more tilted towards the corporation than the individual.