The OP specifically offers that Freddie and Fannie and pensions etc. are PONZI schemes. This is fundamentally not true. The OP attacks the PROGRAMS as being the problem when, in fact, the failures we see around the world and here at home are the direct result of unrestrained capitalism and the greed of recent and current executives. The problem is not the programs but those who chose to distort the programs to fill their pockets.
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