Ehh, tell me the credit ratings assigned by rating agencies to mortgage backed securities circa 2005-2007. Its an ecosystem with misaligned incentives, and some cohort of investor will be left holding the bag. Big Tech, investment banks, and ratings agencies will get off with no consequences when this Jenga-esq capital apparatus eventually collapses.

Investor: Is this your debt, Meta?

Meta: (hiding debt behind its back) No. It's Jimmy's.

Investor: Now Meta, you know lying is wrong.

Meta: No it's not. All the kids do it so it's OK.

It’s not necessarily lying, but it’s certainly deceptive.