"The individual incentive not to commit crime on Wall Street now is almost zero."

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When people, particularly young people and especially young men, can't imagine themselves as heroes in narratives that they construct for themselves, they look to be heroes in some other way. So young men in America of, let's say, Muslim background, only a tiny, tiny minority - so small as to be almost zero - are likely to ever commit terrorist acts.

— Mohsin Hamid