Mike Downey: Everything you're saying makes absolutely perfect sense to me. I grew up in Russia in the early 90s when the Soviet Union collapsed and you've got to understand nobody in the Soviet Union had any financial training of any kind, really. And this thing comes on the screens of every television - a supposed free market. This was one of the original scams if I remember correctly in Russia. It's possible and wrong, but I don't, I have yet to see.