Sounds like you should go bundle sub-prime mortgages into some complex securities, if you like intentionally living on the knife's edge of disaster.

Huh? Where did I say that's what I like? I'm just trying to discuss for discussion's sake. Personally, I want a world that rewards the people who put their thought, care, and craftsmanship into something more than those that don't. In order to live in that world, I think we need to discuss the parts (maybe the whole) that don't and why that might be.