"We knew before we came (to earth) that there would be many adverse circumstances to test us: accidents, sickness, and disease to prove us; temptations and distractions to try us; disappointments, discouragements, reverses, failures and all kinds of situations to determine our character."

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It is no exaggeration to say that since the 1980s, much of the global financial sector has become criminalised, creating an industry culture that tolerates or even encourages systematic fraud. The behaviour that caused the mortgage bubble and financial crisis of 2008 was a natural outcome and continuation of this pattern, rather than some kind of economic accident.

— Charles Ferguson