For as long as we can remember, financial institutions have always come out on top. This was particularly evident after the 2008 financial crisis. They profited greatly from selling toxic sub-prime debt instruments that nearly took down the global financial system, forcing an epic financial bailout that cost taxpayers billions. Yet the survivors continued to be handsomely paid (relative to the rest of the economy) in the years that have followed. These financial innovators continued with the strategy of “what makes us rich is all that matters” by developing and pushing investments into Exchange Traded Funds (ETFs) that have now overtaken financial markets. What are Exchange Traded Funds (ETF
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