On the other end of the phone call are people being forced into the same position of desperation through deception. That's their reward for a lifetime of presumably-honest work.
The noble savages aren't that dumb either. These aren't credit default swaps so abstracted from the underlying assets that the product's toxicity is unrecognizable at the nth degree. They're directly manipulating people into draining their accounts. At some level, something about it should feel off.
