[kevin_thibedeau]

> Something clearly changed between the 1970s and today.

MBAs took over American companies. They're the ones who cook up these exploitative ideas so that no money is ever left on the table.

[lotsofpulp]

401k owners, IRA owners, and taxpayers via defined benefit pension funds want to pay for the management that maximizes returns.

[kevin_thibedeau]

Convenient that forces have aligned to make people dependent on 401K and IRA by taking away all other profitable money stores. Why play with only rich peoples' money when you can force everybody to be exposed to a market you take a cut from.