That's the trick: they spend a decade or so making people do The Goodest Boy Dance to get low-risk investments on the books. Then once the contradictions of capital start rearing their ugly head and the market begins to sour, they open up the floodgates to all the high risk folks. Then they bundle all your investments together and resell them as Certified Very Safe Trust Me Bro. The poor suckers who buy those end up holding the bag. Tale as old as time.