Interesting diary and you are right some things are not the bankers fault only, though they tend it to the most. But I thing our society has those beliefs and values about age for example, which are broadly accepted. Because of these beliefs about age, for example, a lot of people are affraid to switch jobs once they are over 40, even though they have great credantials, or they are not being hired because of age. Just this one negative belief system, brings in my opinion, a great loss of valuable skills and expertice for society at large.