Wait why "obviously"? Is this like how "obviously" the friends you have in an MLM scam must be making money? Or "obviously" Wall Street wasn't packaging dogshit "no job, no proof of income" mortgages as triple-A securities before the crash?
If by "obviously" you only mean "That seems dumb" then, yeah, welcome to planet Earth.
If by "obviously" you only mean "That seems dumb" then, yeah, welcome to planet Earth.