In 2008, bankers made reckless bets with your money, burned the economy to the ground, and kept their bonuses while you paid the bill. Economists call it moral hazard: when the person making the decision never suffers the consequences of being wrong, they get careless. They get greedy. And they stop caring whether what they're selling you actually works.

We swore never again. We were lied to. Right now, there's an industry embedded in your doctor's office, your child's school, and your own family that runs the exact same scam — except the losses aren't measured in foreclosures. They're measured in your kids. It knows things about its product it will never tell you. It gets paid whether you improve or deteriorate. And when it fails you, that failure doesn't trigger accountability. It generates the next invoice. You've probably already been a customer. You may be one right now.


Dr. Roger McFillin builds the case one brick at a time — and by the end, you'll understand why the worst outcomes in American life keep getting rewarded with more money, more power, and more access to your children.

Once you see it, you can't unsee it.

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