I believe you are absolutely right. But, what can we do? We are at the mercy of the Wall Street Pro Crooks! They will. they can, do anything they want without fear, look at Corzine and the magical disappearance of only one billion dollars!!
Best advice I ever received in my life was free...after years of counseling, which did no good, a relative said three words to me that snapped me out of my funk. I placed them above my desk and often look at them:
"DEAL WITH IT!!"
So how do we deal with a situation we cannot change? S.C.R.&.W them, by buying into their short attack and reap the benefits on the other side as we hit EX.