&gt; Why can&#x27;t we judge things based on the simple question of &#x27;is something willing to pay for it with their own money&#x27;.<p>because that&#x27;s a lie? people pay for certain financial services because their options are systematically oppressed. what we&#x27;re complaining about in this thread is how the structure of the system artifically captures &quot;value&quot;.<p>what would happen if we applied the same simple judgement to heroin dealers? there are clearly many people willing to pay them.