This talk of "systemic insider risk" makes it sound like every little gamble is part of some grand, complicated scheme, but I find that hard to believe when I think of actual people involved. It’s like saying my neighbor, Monsieur Dubois, losing his small bet on a football match because a player got a sudden injury is part of some global financial conspiracy; sometimes, a problem is just about a few bad actors, not a vast, interconnected web. Each situation has its own story and specific players pulling the strings, not some abstract force. When I think about the scams that target our elderly friends, they're often isolated incidents, not pieces of some larger, invisible market manipulation. It's often just one person being clever and another being trusting.