If you are in banking and lending, surprise outcomes are likely to be negative for you.

Suckers think that you cure greed with money, addiction with substances, expert problems with experts, banking with bankers, economics with economists, and debt crises with debt spending

Banking is a very treacherous business because you don't realize it is risky until it is too late. It is like calm waters that deliver huge storms.

The mortgage crisis is a clear instance of consumers who needed protection. There was predatory lending to people who didn't know what they were doing.

The key to wealth is that it doesn't matter. Once you've had it, you don't think anything of it; you can wear cheap watches.

Nobody reads the disclosures that roll down your computer screen. You click 'I agree' but you don't know what you're agreeing to.