In the deregulated realm of US banking and finance crime does occasionally pay for its foul deeds not in prison time but by making modest rebates to the victims.
It is usually people in the money business finance and international trade that are really rich.
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If US per capita income continues to grow at a rate of 1.5 percent a year the country will have plenty of money to finance comfortable retirements and high-quality healthcare for all citizens including those at the bottom of the wage ladder.
