Another one is day traders. Know anyone who retired as a day trader? Only if they are connected to a family. The way that works is you take your money and combine it with the banks money and they let you loose trading. Slowly the build your confidence in the system for you to win a living, as you hear of others who made a small fortune on an insider trade. Then you a presented with a sure thing from a known helper and you put your all or most of your eggs into one basket. Then you loose your shirt and are out on the streets trying to figure out what happened not knowing the banks were listening in (bloomberg) and watching your every move from a hidden networked crony. The banks then reconcile with each other as they take everything you had. Usually banks match, you put up $200k the bank puts up $200k. In the end, it is easy money. They understand human nature: greed, fear, arrogance, etc… and play you like a pony.