Big shiny BMW, fresh spanking new, just driven off the lot. Have all of this bonus money to spend, what should I buy next, a large house in an affluent neighborhood? Nah, I already have 12 of those. I want something that screams out “Success!” I want to be looked up to, after all, I am an upstanding citizen. I know, extended vacation on an exclusive island in the Bahamas. When vacation’s over, time to go back to work and deny loans to small business and homeowners who need it. Greed only works for those who are not victimized by it.