Rentier parasites enabled by state overregulation, which is in response (usually) to overeager or immoral entrepreneurs (ARM loans, thalidomide, slum lords,crypto, supplement industry, lemon cars, malware, vaporware, stock scams, etc). The regulation is supposed to protect us, but in reality just enables those with the resources to meet the new standard to have a (olig|mon)opoly. I'm not sure what the solution is, just pointing out how "rentier parisites" tend to arise.