Steingart has a nice phrase in The War For Wealth, related to my comments here, re faux security umbrellas.
Look also at the terms search list on this prior post:
and at Steingart's text, page 216 at "...not worth the paper on which they are printed...."
He has some scenarios at the end, with which I disagree, and which I believe are frankly wrong and or misleading in important ways, eg the approaches on p. 249.
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