Money is a public good as such, it lends itself to private exploitation.

The period of financial distress is a gradual decline after the peak of a speculative bubble that precedes the final and massive panic and crash, driven by the insiders having exited but the sucker outsiders hanging on hoping for a revivial, but finally giving up in the final collapse.

The first derivative is the last refuge of a scoundrel.

There is nothing so disturbing to one's well-being and judgment as to see a friend get rich